Okaloosa County property record for 404 Harbor Blvd, Destin, FL 32541
| Property Type | Restaurant |
|---|---|
| Details | 11,617 sqft · built 1993 |
| Lot Size | 1.73 acres (75,600 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $1,150,000 (Nov 1991) |
| Tax Bill | $40,388 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-6560-9 |
| Primary APN | C56-000-589-6560-9 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 19 Plumbing Fixtures |
|---|---|
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 11,617 sqft Total Area |
| 1st Floor Area | 8,109 sqft |
| Upper Floors Area | 290 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1993 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Wood Truss |
| Roof Material | Masonite/Cement Shake |
| Lot Area | 75,600 sqft (1.73 acres) |
| Lot Dimensions | 280 ft deep x 270 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 2,402 sqft |
| Patio Area | 816 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 404 HARBOR BLVD |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2326 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Legal Description | DESTIN M/P E270 FT OF LOT 5 S OF HY |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | DESTIN MORENO POINT |
| Legal Lot Number | 5 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 23303 |
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 | 2 Company Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | PO BOX 2029, SANTA ROSA BEACH, FL 32459-2029 |
| Owner Type | Company, Secondary Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 1991 · Amount on Record |
| Deed Sale | Nov 1, 1991 · Amount on Record |
| Deed Document Number | 0016361683 |
| Record Updated | Jun 8, 2026 |
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 | $40,388.00 (+4.07%) | $3,410,196 (+3.67%) Land $2,749,213 Building $660,983 | $3,410,196 (+3.67%) Land $2,749,213 Building $660,983 |
| 2023 | $38,808.00 (+6.24%) | $3,289,593 (+4.15%) Land $2,643,472 Building $646,121 | $3,289,593 (+4.15%) Land $2,643,472 Building $646,121 |
| 2022 | $36,529.00 | $3,158,378 Land $2,517,593 Building $640,785 | $3,158,378 Land $2,517,593 Building $640,785 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 422 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1,500 units insured incl. 1,078 condo units |
| Nearby Flood Claims | 819 (1980–2024) |
| Claims Outside the SFHA | 261 of 819 |
| Most Recent Claim | Aug 2024 · Hurricane Debby |
| 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 478 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 · Fiber in parts of the area | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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