Okaloosa County property record for 3710 First St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,680 sqft · built 2006 |
| Lot Size | 0.143 acres (6,249 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $174,900 (Dec 2012) |
| Tax Bill | $4,690 (2025) |
| Deeds & Mortgages | May 2022 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-589-9482-3 |
| Primary APN | C56-000-589-9482-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,680 sqft Heated Area |
| Gross Area | 2,145 sqft |
| 1st Floor Area | 1,680 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 6,249 sqft (0.143 acres) |
| Lot Width | 50 ft Width |
| Porch | Open Porch |
| Porch Area | 330 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3710 FIRST ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RESUB OF KELLYS ADD TO DESTIN LOT 10 BLK 3A |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | KELLYS ADD |
| Legal Block | 3A |
| Legal Lot Number | 10 11 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 23306 |
Source: Okaloosa County records, as of December 8, 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 Record |
|---|---|
| Mailing Address | 402 BAY OAKS CT, DESTIN, FL 32541-1556 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 20, 2012 · Amount on Record |
| Deed Sale | Dec 20, 2012 · Amount on Record |
| Prior Sale | Apr 4, 2005 · Amount on Record |
| Deed Document Number | 2822494 |
| Deed Book / Page | 3070 / 3043 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3710 FIRST ST, DESTIN, FL 32541-1602 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3710 FIRST ST, DESTIN, FL 32541-1602 |
| Document Number | 0036193381 |
|---|---|
| Date | May 3, 2022 |
| Book Page | 3619/3381 |
| Instrument | 3547057 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PEWAUKEE, WI 53072 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2052 |
Source: Okaloosa County assessment roll, as of July 1, 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 | $4,690.00 (+16.46%) | $396,002 (+8.69%) Land $143,818 Building $252,184 | $396,002 (+8.69%) Land $143,818 Building $252,184 |
| 2023 | $4,027.00 (+7.88%) | $364,341 (+7.8%) Land $130,494 Building $233,847 | $364,341 (+7.8%) Land $130,494 Building $233,847 |
| 2022 | $3,733.00 | $337,993 Land $118,631 Building $219,362 | $337,993 Land $118,631 Building $219,362 |
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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