400 Cedar St, Destin, FL 32541 Property Records

Okaloosa County property record for 400 Cedar St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,881 sqft · built 1988
Lot Size	0.22 acres (9,598 sqft)
Owner	Individual Name on File
Last Sale	$274,043 (Mar 2021)
Tax Bill	$4,558 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-4330-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-4330-7`
Alternative APN	`00-2S-22-3090-000E-0220`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,881 sqft Heated Area
Gross Area	2,534 sqft
1st Floor Area	1,923 sqft
Interior Walls	Custom/Decorative
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	9,598 sqft (0.22 acres)
Lot Width	80 ft Width
Garage Type	Finished
Garage Area	441 sqft
Porch	Finished/Screened Porch
Porch Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	400 CEDAR ST
City	DESTIN
State	FL
Zip	32541-2623
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELL-AIRE GARDENS LOT 22 BLK E
Legal Range	22
Legal Township	02S
Legal Subdivision	KELL AIRE GARDENS
Legal Block	E
Legal Lot Number	22
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2007
Census Tract	23305

Owner

Source: Okaloosa County records · APN C56-000-590-4330-7

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	400 CEDAR ST, DESTIN, FL 32541-2623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 23, 2021 · Amount on Record
Deed Sale	Mar 23, 2021 · Amount on Record
Deed Document Number	3440425
Deed Book / Page	3534 / 1612
Record Updated	Jun 08, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 23, 2021
Property Address	400 CEDAR ST, DESTIN, FL 32541-2623
Document Number	0035341612
Book / Page	3534 / 1612
Map Reference	MB 5 PG 48
Instrument Date	Mar 22, 2021
Instrument	3440425
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,918.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1316, DESTIN, FL 32540-1316

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 CEDAR ST, DESTIN, FL 32541-2623

Mortgage

Document Number	0035341614
Date	Mar 23, 2021
Instrument	3534/1614

Lender

Name	LINDA CRAVIN
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded

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	$4,558.00 (+5.58%) Homeowner's exemption	$423,929 (+5.99%)	$434,704 (+4.19%) Land $129,985 Building $304,719
2023	$4,317.00 (+2.4%) Homeowner's exemption	$399,983 (+3%)	$417,228 (+7.44%) Land $117,943 Building $299,285
2022	$4,216.00 Homeowner's exemption	$388,333 Land $107,221 Building $281,112	$388,333 Land $107,221 Building $281,112

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), as of March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910233052, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 100 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	100 in force
Nearby Flood Claims	29 (1995–2021)
Claims Outside the SFHA	25 of 29
Most Recent Claim	Apr 2021 · other causes
Claims by Event	Hurricane Dennis, Jul 2005 · 5 claims Hurricane Frances, Sep 2004 · 7 claims Hurricane Georges, Sep 1998 · 7 claims

Wildfire

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

Based on FCC filings for 317 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL1460202, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	DESTIN WATER USERS, INC. private · serves 31,752 people
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.