Okaloosa County property record for 402 Cedar St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,797 sqft · built 1988 |
| Lot Size | 0.22 acres (9,598 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $480,000 (Oct 2025) |
| Tax Bill | $5,086 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-4331-5 |
| Primary APN | C56-000-590-4331-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,797 sqft Heated Area |
| Gross Area | 2,882 sqft |
| 1st Floor Area | 1,797 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 9,598 sqft (0.22 acres) |
| Lot Width | 80 ft Width |
| Garage Type | Finished |
| Garage Area | 528 sqft |
| Porch | Open Porch |
| Porch Area | 427 sqft |
| Patio Area | 130 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 402 CEDAR ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2623 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELL-AIRE GARDENS LOT 23 BLK E |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | KELL AIRE GARDENS |
| Legal Block | E |
| Legal Lot Number | 23 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 23305 |
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 | 400 MATTIE M KELLY BLVD UNIT 32, 32, DESTIN, FL 32541-3231 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 6, 2025 · Amount on Record |
| Deed Sale | Oct 6, 2025 · Amount on Record |
| Prior Sale | Jul 7, 2025 · Amount on Record |
| Deed Document Number | 3776165 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 6, 2025 |
| Property Address | 402 CEDAR ST, DESTIN, FL 32541-2623 |
| Document Number | 0003776165 |
| Map Reference | MB 5 PG 48 |
| Instrument Date | Oct 6, 2025 |
| Instrument | 3776165 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,360.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 449 WOODLAND BAYOU DR, SANTA ROSA BEACH, FL 32459-3409 |
| Name | Verified Name |
|---|---|
| Address | 400 MATTIE M KELLY BLVD UNIT 32, 32, DESTIN, FL 32541-3231 |
| Document Number | 0003776166 |
|---|---|
| Date | Oct 6, 2025 |
| Instrument | 3776166 |
| Name | HOMEFI CORP |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
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 | $5,086.00 (+4.39%) | $429,481 (+1.44%) Land $129,985 Building $299,496 | $429,481 (+1.44%) Land $129,985 Building $299,496 |
| 2024 | $4,872.00 (+4.91%) | $423,404 (+1.49%) Land $126,199 Building $297,205 | $423,404 (+1.49%) Land $126,199 Building $297,205 |
| 2023 | $4,644.00 (+7.7%) | $417,207 (+7.44%) Land $117,943 Building $299,264 | $417,207 (+7.44%) Land $117,943 Building $299,264 |
| 2022 | $4,312.00 | $388,315 Land $107,221 Building $281,094 | $388,315 Land $107,221 Building $281,094 |
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 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 |
|
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 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 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 317 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 |
May also be available: T-Mobile.
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