Okaloosa County property record for 405 Cedar St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,808 sqft · built 2003 |
| Lot Size | 0.234 acres (10,199 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $393,000 (Oct 2005) |
| Tax Bill | $2,168 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-4341-4 |
| Primary APN | C56-000-590-4341-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,808 sqft Heated Area |
| Gross Area | 2,538 sqft |
| 1st Floor Area | 1,808 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 10,199 sqft (0.234 acres) |
| Lot Width | 85 ft Width |
| Garage Type | Finished |
| Garage Area | 462 sqft |
| Porch | Open Porch |
| Porch Area | 268 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 405 CEDAR ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2622 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELL-AIRE GARDENS LOT 5 BLK F |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | KELL AIRE GARDENS |
| Legal Block | F |
| Legal Lot Number | 5 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 23305 |
Source: Okaloosa County assessment roll, as of July 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 405 CEDAR ST, DESTIN, FL 32541-2622 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 13, 2005 · Amount on Record |
| Deed Sale | Oct 13, 2005 · Amount on Record |
| Prior Sale | Sep 22, 2003 · Amount on Record |
| Deed Document Number | 2270126 |
| Deed Book / Page | 2659 / 0018 |
| 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 | $2,168.00 (+6.12%) Homeowner's exemption | $222,170 (+5.99%) | $441,991 (+2.82%) Land $129,985 Building $312,006 |
| 2023 | $2,043.00 (+2.71%) Homeowner's exemption | $209,620 (+3%) | $429,857 (+7.51%) Land $117,943 Building $311,914 |
| 2022 | $1,989.00 Homeowner's exemption | $203,515 | $399,841 Land $107,221 Building $292,620 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 100 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 100 in force |
| Nearby Flood Claims | 29 (1995–2021) |
| Claims Outside the SFHA | 25 of 29 |
| Most Recent Claim | Apr 2021 · other causes |
| 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 271 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 | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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