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3704 First St, Destin, FL 32541 Property Records

Okaloosa County property record for 3704 First St, Destin, FL 32541 · Last verified December 2025

Property Summary

Property TypeVacant Land
Details1,680 sqft
Lot Size0.286 acres (12,498 sqft)
OwnerCompany Name on File
Last Sale$180,000 (Feb 2023)
Tax Bill$851 (2025)
Deeds & MortgagesMar 2023 Sale & Mortgage
Sep 2021 Foreclosure
Flood ZoneZone AE (high risk)
APNC56-000-589-9483-1

Property Details

APN / Parcel Number

Primary APNC56-000-589-9483-1
Alternative APN
  • 00-2S-22-1360-003A-0120

Interior

Building Area1,680 sqft
1st Floor Area1,680 sqft

Exterior

Lot Area12,498 sqft (0.286 acres)
Lot Width50 ft Width
PorchPorch
Porch Area165 sqft

Location & Zoning

Street Address3704 FIRST ST
CityDESTIN
StateFL
Zip32541-1602
Property CategoryVacant Land
Property TypeVacant Land > Uncategorized
Legal DescriptionRESUB OF KELLYS ADD TO DESTIN LOT 12 BLK 3A OR 1238-240
Legal Range22
Legal Township02S
Legal SubdivisionKELLYS ADD
Legal Block3A
Legal Lot Number12 13
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group1
Census Block1007
Census Tract23306

Owner

Source: Okaloosa County records · APN C56-000-589-9483-1

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 RecordCompany Name on File
Mailing Address75 MIAMI ST # 1504, 1504, DESTIN, FL 32550-4691
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Mar 03, 2023Warranty Deed, Transfer · Seller Carry-Back
GABE STEPHANI
Sep 16, 2021Public Action, Foreclosure

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 15, 2023 · Amount on Record
Deed SaleFeb 15, 2023 · Amount on Record
Prior SaleApr 04, 2005 · Amount on Record
Deed Document Number0036642887
Deed Book / Page2606 / 0152
Prior Transfer DateSep 16, 2021
Prior Transfer Doc3489102
Record UpdatedJun 08, 2026

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateMar 03, 2023
Property Address3704 FIRST ST, DESTIN, FL 32541-1602
Document Number0036642887
Book / Page3664 / 2887
Map ReferenceMB 2 PG 62
Instrument DateFeb 15, 2023
Instrument3609546
Transaction TypeTransfer
Record UpdatedMar 29, 2023
Title CompanyMTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,260.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4236 BOBCAT CV, NICEVILLE, FL 32578-8770

Transferred To (Grantee/Buyer)

NameVerified Name
Address75 MIAMI ST # 1504, 1504, DESTIN, FL 32550-4691

Mortgage

Document Number0036642889
DateMar 03, 2023
Instrument3664/2889
Lender
NameGABE STEPHANI
TypeSeller
Agreement
TypeSeller Carry-Back
AmountAmount Recorded
Term36 Months
DueMar 01, 2026

September 2021: Public Action, Foreclosure

Document TypePublic Action
JurisdictionOKALOOSA FL
Recording DateSep 16, 2021
Property Address3704 FIRST ST, DESTIN, FL 32541-1602
Document Number0035741788
Book / Page3574 / 1788
Map ReferenceMB 1238 PG 240
Instrument DateSep 14, 2021
Instrument3489102
Transaction TypeForeclosure
Record UpdatedFeb 24, 2023

Transaction

AmountAmount Recorded
Tax$89.60
Amount AccuracyTax Sale

Transferred From (Grantor/Seller)

NameVerified Name
Address76 TRAIL END LN, NEWTON GROVE, NC 28366-6651

Transferred To (Grantee/Buyer)

NameVerified Name
Address4236 BOBCAT CV, NICEVILLE, FL 32578-8770

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
MunicipalityDestin City
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$851.00 (+9.24%)$71,909 (+10.21%) Land $71,909$71,909 (+10.21%) Land $71,909
2023$779.00 (+9.1%)$65,247 (+1%) Land $65,247$65,247 (+1%) Land $65,247
2022$714.00$59,315 Land $59,315$59,315 Land $59,315

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910233061, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 96 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies96 in force
Nearby Flood Claims73 (1994–2020)
Claims Outside the SFHA47 of 73
Most Recent ClaimSep 2020, tidal / storm surge, Hurricane Sally
Claims By Storm
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 16 claims
  • Hurricane Frances, Sep 2004 · 20 claims
  • Hurricane Opal, Oct 1995 · 21 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 150 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
LiveOak FiberFiber5,000 / 5,000
Cox CommunicationsCable2,000 / 100
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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