Okaloosa County property record for 405 Juniper St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,970 sqft · built 1987 |
| Lot Size | 0.22 acres (9,598 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $315,000 (Oct 2015) |
| Tax Bill | $2,477 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Feb 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-4260-6 |
| Primary APN | C56-000-590-4260-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,970 sqft Living Area |
| Gross Area | 3,288 sqft |
| 1st Floor Area | 1,034 sqft |
| Upper Floors Area | 936 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 9,598 sqft (0.22 acres) |
| Lot Width | 80 ft Width |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 502 sqft |
| Patio Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 405 JUNIPER ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELL-AIR GARDENS LOT 5 BLK C |
| Legal Subdivision | AIR GARDENS |
| Legal Block | C |
| Legal Lot Number | 5 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 23305 |
Source: Okaloosa County records, as of August 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 405 JUNIPER ST, DESTIN, FL 32541-2611 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 30, 2022 | Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK |
| Feb 14, 2022 | Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK |
| Dec 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 19, 2015 · Amount on Record |
| Deed Sale | Oct 19, 2015 · Amount on Record |
| Deed Document Number | 20153028104 |
| Deed Book / Page | 3220 / 4840 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 405 JUNIPER ST, DESTIN, FL 32541-2611 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 405 JUNIPER ST, DESTIN, FL 32541-2611 |
| Document Number | 0036401217 |
|---|---|
| Date | Aug 30, 2022 |
| Book Page | 3640/1217 |
| Instrument | 3575017 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | MIRAMAR BEACH, FL 32550 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 26, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 405 JUNIPER ST, DESTIN, FL 32541-2611 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 405 JUNIPER ST, DESTIN, FL 32541-2611 |
| Document Number | 0036041859 |
|---|---|
| Date | Feb 14, 2022 |
| Book Page | 3604/1859 |
| Instrument | 3526750 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | MIRAMAR BEACH, FL 32550 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 26, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 405 JUNIPER ST, DESTIN, FL 32541-2611 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|---|
| Address | 405 JUNIPER ST, DESTIN, FL 32541-2611 |
| Document Number | 0035084740 |
|---|---|
| Date | Dec 1, 2020 |
| Book Page | 3508/4740 |
| Instrument | 3411231 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84116 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 1, 2050 |
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 | $2,477.00 (+5.99%) Homeowner's exemption | $248,258 (+5.99%) | $380,848 (+3.01%) Land $129,985 Building $250,863 |
| 2023 | $2,337.00 (+2.64%) Homeowner's exemption | $234,234 (+3%) | $369,731 (+7.54%) Land $117,943 Building $251,788 |
| 2022 | $2,277.00 Homeowner's exemption | $227,412 | $343,806 Land $107,221 Building $236,585 |
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 | Low lower than 98% of the US · lower than 97.6% 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.
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 317 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 |
May also be available: T-Mobile.
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