Okaloosa County property record for 3694 First St, Destin, FL 32541 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1996 |
| Square Footage | 2,154 sqft Heated Area |
| Lot Size | 14,425 sqft (0.331 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $325,000 (2020) |
| Tax Bill | $3,684.00 (2025) |
Source: Okaloosa County records · APN C56-000-589-9485-6
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3694 FIRST ST, DESTIN, FL 32541-1602 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 01, 2022 | Deed of Trust, Mortgage · Veterans Administration Mortgage EVERETT FINANCIAL INC |
| Nov 02, 2020 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage EVERETT FINANCIAL INC |
| Nov 03, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 02, 2020 · Amount on Record |
| Deed Sale | Nov 02, 2020 · Amount on Record |
| Deed Doc Number | 3403626 |
| Deed Book / Page | 3502 / 2356 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3694 FIRST ST, DESTIN, FL 32541-1602 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2022 |
| Title Company | ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE COMPANY LLC |
| Name | Verified Name |
|---|---|
| Address | 3694 FIRST ST, DESTIN, FL 32541-1602 |
| Document Number | 0036250422 |
|---|---|
| Date | Jun 01, 2022 |
| Book Page | 3625/422 |
| Instrument | 3554241 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75254 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Nov 02, 2020 |
| Property Address | 3694 FIRST ST, DESTIN, FL 32541-1602 |
| Document Number | 0035022356 |
| Book / Page | 3502 / 2356 |
| Map Reference | MB 2 PG 62 |
| Instrument Date | Oct 25, 2020 |
| Instrument | 3403626 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,275.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12255 524TH ST, 12255, SEYMOUR, IA 52590-8015 |
| Name | Verified Name |
|---|---|
| Address | 3694 FIRST ST, DESTIN, FL 32541-1602 |
| Document Number | 0035022361 |
|---|---|
| Date | Nov 02, 2020 |
| Instrument | 3502/2361 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3694 FIRST ST, DESTIN, FL 32541-1602 |
| Document Number | 0033742853 |
| Instrument Date | Nov 03, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 06, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3694 FIRST ST DESTIN FL 325411602, DESTIN, FL 32541-1602 |
| Document Number | 0033742853 |
|---|---|
| Date | Nov 09, 2018 |
| Book Page | 003374/002853 |
| Instrument | 3242732 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 08, 2033 |
Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,684.00 (+5.8%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $355,125 (+5.99%) | $458,960 (+3.14%) Land $165,391 Building $293,569 |
| 2023 | $3,482.00 (+2.53%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $335,065 (+3%) | $445,005 (+8.87%) Land $150,068 Building $294,937 |
| 2022 | $3,396.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $325,306 | $408,739 Land $136,426 Building $272,313 |
Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | C56-000-589-9485-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,154 sqft Heated Area |
| Gross Area | 2,960 sqft Gross Area |
| 1st Floor | 1,650 sqft 1st Floor |
| Upper Floors | 504 sqft Upper Floors |
| Stories | 2 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior |
| Roof Construction | Cathedral/Clerestory Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 14,425 sqft (0.331 acres) |
| Lot Width | 85 ft Width |
| Patio Area | 440 sqft Patio |
| Porch | Enclosed Porch |
| Porch Area | 531 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Street Address | 3694 FIRST ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1602 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | RESUB OF KELLYS ADD TO DESTIN LOT 17 BLK 3A |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | KELLYS ADD |
| Legal Block | 3A |
| Legal Lot Number | 17 |
| Jurisdiction | OKALOOSA FL |
| Minor Civil Division | FORT WALTON BEACH |
| Census Blockgroup | 1 |
| Census Block | 1007 |
| Census Tract | 23306 |
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