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401 Main St, Destin, FL 32541 Property Records

Okaloosa County property record for 401 Main St, Destin, FL 32541

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,620 sqft · built 1974
Lot Size0.254 acres (11,064 sqft)
Owner2 Company Names on File
Last Sale$320,000 (Nov 2023)
Tax Bill$3,090 (2025)
Deeds & MortgagesMay 2026 Sale
Nov 2023 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNC56-000-589-9233-0

Property Details

APN / Parcel Number

Primary APNC56-000-589-9233-0
Alternative APNs
  • 00-2S-22-1350-000I-0010
  • 22S2001350000I0010

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,620 sqft Living Area
Gross Area2,058 sqft
1st Floor Area1,620 sqft
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 1974
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialWood
Lot Area11,064 sqft (0.254 acres)
Lot Width80 ft Width
DrivewayDriveway
PorchOpen/Unfinished Porch
Porch Area438 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address401 MAIN ST
CityDESTIN
StateFL
Zip32541-1918
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionKELLY HOMES S/D LOT 1 & S30 FT OF LOT 2 BLK I
Legal SubdivisionKELLY HOMES S/D
Legal BlockI
Legal Lot Number10
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group1
Census Block1000
Census Tract23307

Owner

Source: Okaloosa County records, as of May 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Company Names on File
Mailing Address401 MAIN ST, DESTIN, FL 32541-1918
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
May 5, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Nov 9, 2023Warranty Deed, Transfer · Conventional Mortgage
AMERICAN FEDERAL MORTGAGE CORP
Apr 15, 2019Warranty Deed, Transfer · Conventional with PMI
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 9, 2023 · Amount on File
Deed SaleNov 9, 2023 · Amount on File
Prior SaleApr 15, 2019 · Amount on File
Deed Document Number20233656812
Prior Transfer DateSep 1, 2006
Prior Transfer Doc0027332881
Record UpdatedOct 29, 2026

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateMay 5, 2026
Property Address401 MAIN ST, DESTIN, FL 32541-1918
Document Number0003814967
Instrument DateMay 5, 2026
Instrument2026.3814967
Transaction TypeTransfer
Record UpdatedMay 13, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
Tax$70.70
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address401 MAIN ST, DESTIN, FL 32541-1918

November 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateNov 9, 2023
Property Address401 MAIN ST, DESTIN, FL 32541-1918
Document Number0003656812
Map ReferenceMB 3 PG 32
Instrument DateNov 8, 2023
Instrument3656812
Transaction TypeTransfer
Record UpdatedJun 4, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,240.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2225 GOLDEN OAK LN, VALRICO, FL 33594-4172

Transferred To (Grantee/Buyer)

NameVerified Name
Address401 MAIN ST, DESTIN, FL 32541-1918

Mortgage

Document Number0003656813
DateNov 9, 2023
Instrument3656813
Lender
NameAMERICAN FEDERAL MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2053

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateApr 15, 2019
Property Address401 MAIN ST, DESTIN, FL 32541-1918
Document Number0033933096
Book / Page003393 / 003096
Instrument DateApr 5, 2019
Instrument3271228
Transaction TypeTransfer
Record UpdatedMay 1, 2019
Title CompanySETCO SERVICES LLC, SETCO SVCS LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,981.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address4141 COMMONS DR W #4321 DESTIN FL 325416407, 4321, DESTIN, FL 32541-6407

Mortgage

Document Number33933098
DateApr 15, 2019
Book Page003393/003098
Instrument3271229
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueApr 14, 2049

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,090.00 (-6.87%)$299,952 (+0.48%) Land $118,750 Building $181,202$299,952 (+0.48%) Land $118,750 Building $181,202
2023$3,318.00 (+7.8%)$298,519 (+7.61%) Land $107,748 Building $190,771$298,519 (+7.61%) Land $107,748 Building $190,771
2022$3,078.00$277,412 Land $97,953 Building $179,459$277,412 Land $97,953 Building $179,459

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 24 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies24 in force
Nearby Flood Claims96 (1982–2014)
Claims Outside the SFHA50 of 96
Most Recent ClaimApr 2014 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event
  • Hurricane Frances, Sep 2004 · 39 claims
  • Hurricane Georges, Sep 1998 · 9 claims
  • Hurricane Opal, Oct 1995 · 35 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemDESTIN WATER USERS, INC.
private · serves 31,752 people · EPA ID FL1460202
Water SourceGroundwater
Last State InspectionJan 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 271 locations within half a mile, as of December 31, 2025

ProviderMax 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
T-Mobile
Fixed Wireless		100 / 20

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