Okaloosa County property record for 401 Spring Ln, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,752 sqft · built 1976 |
| Lot Size | 0.264 acres (11,519 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $185,500 (Jul 2009) |
| Tax Bill | $4,197 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-2964-5 |
| Primary APN | C56-000-590-2964-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,752 sqft Heated Area |
| Gross Area | 2,810 sqft |
| 1st Floor Area | 1,272 sqft |
| Upper Floors Area | 480 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1976 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 11,519 sqft (0.264 acres) |
| Lot Width | 90 ft Width |
| Garage Type | Finished |
| Garage Area | 480 sqft |
| Patio Area | 578 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 401 SPRING LN |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1942 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING LAKE 2ND ADD LOT 8 BLK H |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | SPRING LAKE #2 |
| Legal Block | H |
| Legal Lot Number | 8 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 23307 |
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 | Owner Name on Record |
|---|---|
| Mailing Address | 3496 SPARCO DR, CRESTVIEW, FL 32539-5437 |
| Date | Document |
|---|---|
| Feb 26, 2024 | Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK OF MISSISSIPPI |
| Oct 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GULF COAST BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2009 · Amount on Record |
| Deed Sale | Jul 1, 2009 · Amount on Record |
| Prior Sale | May 6, 2004 · Amount on Record |
| Deed Document Number | 2574485 |
| Deed Book / Page | 2895 / 2176 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 401 SPRING LN, DESTIN, FL 32541-1942 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2024 |
| Title Company | MCNEESE TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 401 SPRING LN, DESTIN, FL 32541-1942 |
| Document Number | 0003673111 |
|---|---|
| Date | Feb 26, 2024 |
| Instrument | 3673111 |
| Name | COMMUNITY BANK OF MISSISSIPPI |
|---|---|
| Type | Bank |
| Address | FLOWOOD, MS 39232 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 401 SPRING LN, DESTIN, FL 32541-1942 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 401 SPRING LN, DESTIN, FL 32541-1942 |
| Document Number | 0035021618 |
|---|---|
| Date | Oct 30, 2020 |
| Book Page | 3502/1618 |
| Instrument | 3403476 |
| Name | GULF COAST BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | BATON ROUGE, LA 70806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
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 | $4,197.00 (+204.57%) | $354,386 (+130.24%) Land $129,985 Building $224,401 | $354,386 (+3.35%) Land $129,985 Building $224,401 |
| 2023 | $1,378.00 (+3.07%) Homeowner's exemption | $153,923 (+3%) | $342,894 (+6.58%) Land $117,943 Building $224,951 |
| 2022 | $1,337.00 Homeowner's exemption | $149,440 | $321,738 Land $107,221 Building $214,517 |
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 X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 24 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 96 (1982–2014) |
| Claims Outside the SFHA | 50 of 96 |
| Most Recent Claim | Apr 2014 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
| 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 | Not rated no burnable land within 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 271 locations within half a mile, as of December 31, 2025
| 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures