Okaloosa County property record for 3689 First St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,838 sqft · built 1997 |
| Lot Size | 0.201 acres (8,748 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,355 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Aug 2018 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-590-4160-8 |
| Primary APN | C56-000-590-4160-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,838 sqft Living Area |
| Gross Area | 2,604 sqft |
| 1st Floor Area | 1,838 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 8,748 sqft (0.201 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Driveway | Driveway |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 304 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3689 FIRST ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BAYVIEW MANOR 1ST ADD LOT 20 BLK A |
| Legal Subdivision | BAYVIEW MANOR 1ST ADD |
| Legal Block | A |
| Legal Lot Number | 20 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 23306 |
Source: Okaloosa County records, as of December 31, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3689 FIRST ST, DESTIN, FL 32541-1601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 16, 2021 | Deed of Trust, Mortgage · FHA Mortgage LOANPAL LLC |
| Aug 23, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage CITADEL SVCNG CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 26, 2018 |
| Transfer Doc | 0033643846 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3689 FIRST ST, DESTIN, FL 32541-1601 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Title Company | NATIONAL CLOSING SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 3689 FIRST ST, DESTIN, FL 32541-1601 |
| Document Number | 0035322576 |
|---|---|
| Date | Mar 16, 2021 |
| Book Page | 3532/2576 |
| Instrument | 3438288 |
| Name | LOANPAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | ROSEVILLE, CA 95661 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 23, 2018 |
| Property Address | 3689 FIRST ST, DESTIN, FL 32541-1601 |
| Document Number | 0033643846 |
| Book / Page | 003364 / 003846 |
| Instrument Date | Jul 26, 2018 |
| Instrument | 3228280 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3689 FIRST ST DESTIN FL 325411601, DESTIN, FL 32541-1601 |
| Document Number | 33643848 |
|---|---|
| Date | Aug 23, 2018 |
| Book Page | 003364/003848 |
| Instrument | 3228281 |
| Name | CITADEL SVCNG CORP |
|---|---|
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 22, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.87% |
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,355.00 (+6.03%) Homeowner's exemption | $237,903 (+5.99%) | $472,364 (+1.52%) Land $143,818 Building $328,546 |
| 2023 | $2,221.00 (+2.68%) Homeowner's exemption | $224,464 (+3%) | $465,300 (+7.05%) Land $130,494 Building $334,806 |
| 2022 | $2,163.00 Homeowner's exemption | $217,926 | $434,668 Land $118,631 Building $316,037 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 96 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 96 in force |
| Nearby Flood Claims | 73 (1994–2020) |
| Claims Outside the SFHA | 47 of 73 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DESTIN WATER USERS, INC. private · serves 31,752 people · EPA ID FL1460202 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 150 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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