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403 Cedar St, Destin, FL 32541 Property Records

Okaloosa County property record for 403 Cedar St, Destin, FL 32541 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,746 sqft · built 1987
Lot Size0.234 acres (10,199 sqft)
OwnerIndividual Name on File
Last Sale$375,000 (May 2020)
Tax Bill$2,495 (2025)
Deeds & MortgagesMay 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNC56-000-590-4342-2

Property Details

APN / Parcel Number

Primary APNC56-000-590-4342-2
Alternative APN
  • 00-2S-22-3090-000F-0060

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,746 sqft Heated Area
Gross Area2,394 sqft
1st Floor Area1,746 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1987
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialWood
Lot Area10,199 sqft (0.234 acres)
Lot Width85 ft Width
Garage TypeFinished
Garage Area552 sqft
PorchOpen Porch
Porch Area96 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address403 CEDAR ST
CityDESTIN
StateFL
Zip32541-2622
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionKELL-AIRE GARDENS LOT 6 BLK F
Legal Range22
Legal Township02S
Legal SubdivisionKELL AIRE GARDENS
Legal BlockF
Legal Lot Number6
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group2
Census Block2013
Census Tract23305

Owner

Source: Okaloosa County records · APN C56-000-590-4342-2

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address403 CEDAR ST, DESTIN, FL 32541-2622
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 15, 2020 · Amount on Record
Deed SaleMay 15, 2020 · Amount on Record
Prior SaleSep 26, 2012 · Amount on Record
Deed Document Number3358527
Deed Book / Page3462 / 2033
Record UpdatedJun 08, 2026

May 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateMay 15, 2020
Property Address403 CEDAR ST, DESTIN, FL 32541-2622
Document Number0034622033
Book / Page3462 / 2033
Map ReferenceMB 5 PG 48
Instrument DateMay 13, 2020
Instrument3358527
Transaction TypeTransfer
Record UpdatedJan 10, 2022
Title CompanyCHAMPIONSHIP TITLE AGCY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,625.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address922 WASHINGTON ST, 922, FT WALTON BCH, FL 32547-1838

Transferred To (Grantee/Buyer)

NameVerified Name
Address403 CEDAR ST, DESTIN, FL 32541-2622

Mortgage

Document Number0034622035
DateMay 15, 2020
Instrument3462/2035
Lender
NameREGIONS BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term162 Months
DueNov 08, 2033

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
MunicipalityDestin City
Unified School DistrictOkaloosa 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,495.00 (+5.99%) Homeowner's exemption$249,724 (+5.99%)$393,389 (+1.25%) Land $129,985 Building $263,404
2023$2,354.00 (+2.66%) Homeowner's exemption$235,617 (+3%)$388,515 (+7.01%) Land $117,943 Building $270,572
2022$2,293.00 Homeowner's exemption$228,754$363,078 Land $107,221 Building $255,857

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 120910233052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 100 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies100 in force
Nearby Flood Claims29 (1995–2021)
Claims Outside the SFHA25 of 29
Most Recent ClaimApr 2021, other causes
Claims By Storm
  • Hurricane Dennis, Jul 2005 · 5 claims
  • Hurricane Frances, Sep 2004 · 7 claims
  • Hurricane Georges, Sep 1998 · 7 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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 317 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
LiveOak FiberFiber5,000 / 5,000
AT&TFiber5,000 / 5,000
Cox CommunicationsCable2,000 / 100
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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