Okaloosa County property record for 405 Main St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,436 sqft · built 1974 |
| Lot Size | 0.257 acres (11,199 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Nov 2004) |
| Tax Bill | $1,800 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9235-5 |
| Primary APN | C56-000-589-9235-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,436 sqft Living Area |
| Gross Area | 3,138 sqft |
| 1st Floor Area | 1,596 sqft |
| Upper Floors Area | 648 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 11,199 sqft (0.257 acres) |
| Lot Width | 80 ft Width |
| Garage Type | Attached |
| Garage Area | 294 sqft |
| Porch | Open/Unfinished Porch |
| Porch Area | 408 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 405 MAIN ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELLY HOMES N 40 FT OF LOT 4 & S 40 FT OF LOT 5 BLK I |
| Legal Subdivision | KELLY HOMES |
| Legal Block | I |
| Legal Lot Number | 40 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 23307 |
405 Main St is owned and occupied by two individuals who bought it in November 2004.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 405 MAIN ST, DESTIN, FL 32541-1918 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2004 · Amount on File |
| Deed Sale | Nov 2, 2004 · Amount on File |
| Deed Document Number | 20042168473 |
| Deed Book / Page | 2572 / 2490 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 405 Main St was $1,800 with a homeowner's exemption.
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 | $1,800.00 Homeowner's exemption | $191,078 | $394,147 Land $118,750 Building $275,397 |
| 2023 | $1,693.00 (+2.86%) Homeowner's exemption | $180,284 (+3%) | $384,138 (+14.57%) Land $107,748 Building $276,390 |
| 2022 | $1,646.00 Homeowner's exemption | $175,033 | $335,292 Land $97,953 Building $237,339 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Main St in Zone X, an area of minimal flood risk, though there have been 96 flood claims nearby since 1982.
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 File median of 24 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 96 (1982–2014) |
| Claims Outside the SFHA | 50 of 96 |
| Most Recent Claim | Apr 2014 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
| 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.
The area around 405 Main St has no burnable land within ember reach, so its wildfire risk is not rated.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures