Okaloosa County property record for 404 Cedar St, Destin, FL 32541 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1986 |
| Square Footage | 1,576 sqft Heated Area |
| Lot Size | 9,598 sqft (0.22 acres) |
| Garage | Finished, 462 sqft |
| Last Sale | $315,000 (2019) |
| Tax Bill | $4,187.00 (2025) |
| Primary APN | C56-000-590-4332-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,576 sqft Heated Area |
| Gross Area | 2,336 sqft Gross Area |
| 1st Floor | 1,440 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Concrete/Cement Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1986 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Concrete Blocks Construction |
| Roof Construction | Cathedral/Clerestory Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 9,598 sqft (0.22 acres) |
| Lot Width | 80 ft Width |
| Garage Type | Finished Garage |
| Garage Area | 462 sqft Garage |
| Patio Area | 204 sqft Patio |
| Porch | Open Porch |
| Porch Area | 60 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Street Address | 404 CEDAR ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2623 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | KELL-AIRE GARDENS LOT 24 BLK E |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | KELL AIRE GARDENS |
| Legal Block | E |
| Legal Lot Number | 24 |
| Jurisdiction | OKALOOSA FL |
| Minor Civil Division | FORT WALTON BEACH |
| Census Blockgroup | 2 |
| Census Block | 2007 |
| Census Tract | 23305 |
Source: Okaloosa County records · APN C56-000-590-4332-3
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 701 BENNING DR, DESTIN, FL 32541-1618 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 08, 2019 | Warranty Deed, Transfer · Conventional Mortgage FIRST FLORIDA BANK |
| May 09, 2018 | Warranty Deed, Transfer MCGILL ESCROW AND TITLE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 08, 2019 · Amount on Record |
| Deed Sale | Feb 08, 2019 · Amount on Record |
| Prior Sale | May 09, 2018 · Amount on Record |
| Deed Doc Number | 3257992 |
| Deed Book / Page | 3384 / 3346 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 08, 2019 |
| Property Address | 404 CEDAR ST, DESTIN, FL 32541-2623 |
| Document Number | 0033843346 |
| Book / Page | 3384 / 3346 |
| Map Reference | MB 5 PG 48 |
| Instrument Date | Jan 31, 2019 |
| Instrument | 3257992 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,205.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 769 SPRING LAKE DR, 769, DESTIN, FL 32541-1929 |
| Name | Verified Name |
|---|---|
| Address | 701 BENNING DR, DESTIN, FL 32541-1618 |
| Document Number | 0003257993 |
|---|---|
| Date | Feb 08, 2019 |
| Instrument | 3257993 |
| Name | FIRST FLORIDA BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 09, 2018 |
| Property Address | 404 CEDAR ST, DESTIN, FL 32541-2623 |
| Document Number | 0033492426 |
| Book / Page | 003349 / 002426 |
| Instrument Date | May 09, 2018 |
| Instrument | 3205912 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2018 |
| Title Company | MCGILL ESCROW AND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,610.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 769 SPRING LAKE DR DESTIN FL 325411929, DESTIN, FL 32541-1929 |
Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,187.00 (+13.04%) | $356,788 (+6.88%) Land $129,985 Building $226,803 | $356,788 (+6.88%) Land $129,985 Building $226,803 |
| 2023 | $3,704.00 (+7.8%) | $333,836 (+7.68%) Land $117,943 Building $215,893 | $333,836 (+7.68%) Land $117,943 Building $215,893 |
| 2022 | $3,436.00 | $310,037 Land $107,221 Building $202,816 | $310,037 Land $107,221 Building $202,816 |
404 Cedar St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Okaloosa County (12091C), updated March 8, 2021
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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