404 Sibert Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 404 Sibert Ave, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,880 sqft · built 1960
Lot Size	0.693 acres (30,210 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Nov 2020)
Tax Bill	$6,524 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-4627-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4627-8`
Alternative APN	`00-2S-22-0310-000D-1780`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,880 sqft Heated Area
Gross Area	2,538 sqft
1st Floor Area	3,760 sqft
Upper Floors Area	640 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1980
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	30,210 sqft (0.693 acres)
Lot Width	100 ft Width
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Open Porch
Porch Area	926 sqft
Shed	1 Shed
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	404 SIBERT AVE
City	DESTIN
State	FL
Zip	32541-1529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALHOUN S/D DESTIN LOT 178 BLK D
Legal Range	22
Legal Township	02S
Legal Subdivision	CALHOUN S/D
Legal Block	D
Legal Lot Number	178
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1016
Census Tract	23306

Owner

404 Sibert Ave is owned and occupied by two individuals who bought it in November 2020.

Source: Okaloosa County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	404 SIBERT AVE, DESTIN, FL 32541-1529
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Nov 9, 2020 · Amount on File
Deed Sale	Nov 9, 2020 · Amount on File
Deed Document Number	3406084
Deed Book / Page	3504 / 2967
Record Updated	Jun 8, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 9, 2020
Property Address	404 SIBERT AVE, DESTIN, FL 32541-1529
Document Number	0035042967
Book / Page	3504 / 2967
Map Reference	MB 2 PG 43A
Instrument Date	Nov 6, 2020
Instrument	3406084
Transaction Type	Transfer
Record Updated	Jan 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1169 BAY CT, 1169, DESTIN, FL 32541-1637

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5177, DESTIN, FL 32540-5177

Mortgage

Document Number	0035042969
Date	Nov 9, 2020
Instrument	3504/2969

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 404 Sibert Ave was $6,524.

Source: Okaloosa County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Destin City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,524.00	$560,223 Land $207,030 Building $353,193	$560,223 Land $207,030 Building $353,193
2023	$5,684.00 (+7.61%)	$507,663 (+7.22%) Land $152,304 Building $355,359	$507,663 (+7.22%) Land $152,304 Building $355,359
2022	$5,282.00	$473,466 Land $138,458 Building $335,008	$473,466 Land $138,458 Building $335,008

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 404 Sibert Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 96 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	96 in force
Nearby Flood Claims	73 (1994–2020)
Claims Outside the SFHA	47 of 73
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 16 claims Hurricane Frances, Sep 2004 · 20 claims Hurricane Opal, Oct 1995 · 21 claims

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

Wildfire risk around 404 Sibert Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 244 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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