Okaloosa County property record for 404 Benning Dr, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,972 sqft · built 2004 |
| Lot Size | 0.321 acres (13,981 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $521,000 (Jul 2019) |
| Tax Bill | $6,931 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-598-3222-0 |
| Primary APN | C56-000-598-3222-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,972 sqft Living Area |
| Gross Area | 4,744 sqft |
| 1st Floor Area | 1,774 sqft |
| Upper Floors Area | 886 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 13,981 sqft (0.321 acres) |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Driveway | Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 602 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 404 BENNING DR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BREE CORNERS LOT 1 |
| Legal Subdivision | BREE CORNERS |
| Legal Lot Number | 1 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 23307 |
404 Benning Dr is owned and occupied by two individuals who bought it in July 2019.
Source: Okaloosa County records, as of August 27, 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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 404 BENNING DR, DESTIN, FL 32541-2414 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2021 | Deed of Trust, Mortgage · VA Mortgage NATIONAL BANK OF KANSAS CITY |
| Jul 15, 2019 | Warranty Deed, Transfer · VA Mortgage TRIDENT HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2019 · Amount on File |
| Deed Sale | Jul 15, 2019 · Amount on File |
| Prior Sale | Feb 13, 2004 · Amount on File |
| Deed Document Number | 20193291116 |
| Deed Book / Page | 3408 / 4363 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 404 BENNING DR, DESTIN, FL 32541-2414 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 404 BENNING DR, DESTIN, FL 32541-2414 |
| Document Number | 0035390984 |
|---|---|
| Date | Apr 14, 2021 |
| Book Page | 3539/984 |
| Instrument | 3446129 |
| Name | NATIONAL BANK OF KANSAS CITY |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64114 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 15, 2019 |
| Property Address | 404 BENNING DR, DESTIN, FL 32541-2414 |
| Document Number | 0034084363 |
| Book / Page | 003408 / 004363 |
| Instrument Date | Jul 11, 2019 |
| Instrument | 3291116 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2019 |
| Title Company | CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,647.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 404 BENNING DR DESTIN FL 325412414, DESTIN, FL 32541-2414 |
| Document Number | 34084365 |
|---|---|
| Date | Jul 15, 2019 |
| Book Page | 003408/004365 |
| Instrument | 3291117 |
| Name | TRIDENT HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | GULF BREEZE, FL 32561 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 14, 2049 |
Source: Okaloosa County assessment roll, as of December 31, 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 | $6,931.00 (+5.4%) Homeowner's exemption | $624,330 (+5.99%) | $634,368 (+1.36%) Land $108,854 Building $525,514 |
| 2023 | $6,576.00 (+2.3%) Homeowner's exemption | $589,063 (+3%) | $625,879 (+9.44%) Land $98,769 Building $527,110 |
| 2022 | $6,428.00 Homeowner's exemption | $571,906 Land $89,790 Building $482,116 | $571,906 Land $89,790 Building $482,116 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 Benning Dr in Zone X, an area of minimal flood risk.
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 File median of 21 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 21 in force |
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 risk around 404 Benning Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 584 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 in parts of the area | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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