3712 First St, Destin, FL 32541 Property Records

Okaloosa County property record for 3712 First St, Destin, FL 32541 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,465 sqft · built 1966
Lot Size	0.286 acres (12,498 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Oct 2022)
Tax Bill	$3,977 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`C56-000-589-9481-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-9481-5`
Alternative APN	`00-2S-22-1360-003A-0080`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,465 sqft Heated Area
Gross Area	2,003 sqft
1st Floor Area	1,465 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Exterior Material	Aluminum Siding
Roof Type	Gable/Hip
Roof Material	Rolled Roofing
Lot Area	12,498 sqft (0.286 acres)
Lot Width	100 ft Width
Garage Type	Carport
Carport	Carport
Porch	Open Porch
Porch Area	166 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3712 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 LOTS 8 & 9 BLK 3A
Legal Range	22
Legal Township	02S
Legal Subdivision	KELLYS ADD
Legal Block	3A
Legal Lot Number	8,9 9
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1007
Census Tract	23306

Owner

Source: Okaloosa County records · APN C56-000-589-9481-5

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
Co-owner	Verified Secondary Owner
Mailing Address	4740 ROSEMARY ST, PANAMA CITY, FL 32404-1227
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 06, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 06, 2017	Warranty Deed, Transfer BANCORPSOUTH

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 06, 2022 · Amount on Record
Deed Sale	Oct 06, 2022 · Amount on Record
Prior Sale	Nov 06, 2017 · Amount on Record
Deed Document Number	3583040
Deed Book / Page	3645 / 4180
Record Updated	Jun 08, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 06, 2022
Property Address	3712 FIRST ST, DESTIN, FL 32541-1602
Document Number	0036454180
Book / Page	3645 / 4180
Map Reference	MB 2 PG 62
Instrument Date	Sep 30, 2022
Instrument	3583040
Transaction Type	Transfer
Record Updated	Oct 20, 2022
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	606 THIRD AVE, 606, DESTIN, FL 32541-1712

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4740 ROSEMARY ST, PANAMA CITY, FL 32404-1227

Mortgage

Document Number	0036454182
Date	Oct 06, 2022
Instrument	3645/4182

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 01, 2032

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 06, 2017
Property Address	3712 FIRST ST, DESTIN, FL 32541-1602
Document Number	0033244345
Book / Page	003324 / 004345
Instrument Date	Oct 30, 2017
Instrument	3170730
Transaction Type	Transfer
Record Updated	Nov 29, 2017
Title Company	PANHANDLE TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3712 FIRST ST DESTIN FL 325411602, DESTIN, FL 32541-1602

Mortgage

Document Number	33244346
Date	Nov 06, 2017
Book Page	003324/004346
Instrument	3170731

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-3356

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 05, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Destin City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

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	$3,977.00 (+9.65%)	$335,869 (+10.61%) Land $215,727 Building $120,142	$335,869 (+10.61%) Land $215,727 Building $120,142
2023	$3,627.00 (+99.72%)	$303,661 (+60.56%) Land $195,742 Building $107,919	$303,661 (-3.5%) Land $195,742 Building $107,919
2022	$1,816.00 Homeowner's exemption	$189,127	$314,662 Land $177,947 Building $136,715

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 Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 96 individual NFIP policies nearby
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, 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 Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None 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

Provider	Technology	Download / Upload (Mbps)
LiveOak Fiber	Fiber	5,000 / 5,000
Cox Communications	Cable	2,000 / 100
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 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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