Okaloosa County property record for 405 Mountain Dr, Destin, FL 32541
| Property Type | Commercial Vacant Land |
|---|---|
| Details | 908 sqft · built 1987 |
| Lot Size | 0.914 acres (39,840 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $600,000 (Jan 2014) |
| Tax Bill | $8,910 (2025) |
| Deeds & Mortgages | Mar 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-4669-0 |
| Primary APN | C56-000-589-4669-0 |
|---|---|
| Alternative APN |
|
| Building Area | 908 sqft |
|---|---|
| 1st Floor Area | 908 sqft |
| Year Built | Built 1987 |
|---|---|
| Lot Area | 39,840 sqft (0.914 acres) |
| Lot Width | 100 ft Width |
| Porch | Porch |
| Porch Area | 87 sqft |
| Fence | Fence |
| Street Address | 405 MOUNTAIN DR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2333 |
| Property Category | Commercial |
| Property Type | Vacant Land > Commercial |
| Legal Description | CALHOUN S/D DESTIN LOTS 338 TO 341 BLK E AS OR |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | CALHOUN S/D |
| Legal Block | E |
| Legal Lot Number | 338-341 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 23307 |
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 | Owner Name on Record |
|---|---|
| Mailing Address | 585 GRAND BLVD STE 201, 201, MIRAMAR BEACH, FL 32550-1406 |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 14, 2014 · Amount on Record |
| Deed Sale | Jan 14, 2014 · Amount on Record |
| Deed Document Number | 2905318 |
| Deed Book / Page | 3132 / 3907 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 405 MOUNTAIN DR, DESTIN, FL 32541-2333 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|---|
| Address | 729 BAYOU DR, DESTIN, FL 32541-1802 |
| Document Number | 0003741654 |
|---|---|
| Date | Mar 10, 2025 |
| Instrument | 3741654 |
| Name | LAURA P HOWARD |
|---|---|
| Type | Private Party |
| Address | PO BOX 39, DESTIN, FL 32540 |
| Amount | Amount Recorded |
|---|---|
| Term | 19 Months |
| Due | Oct 22, 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 | $8,910.00 (+12.06%) | $811,353 (+6.02%) Land $807,188 Building $4,165 | $811,353 (+6.02%) Land $807,188 Building $4,165 |
| 2023 | $7,951.00 (+24.86%) | $765,271 (+44.81%) Land $760,924 Building $4,347 | $765,271 (+44.81%) Land $760,924 Building $4,347 |
| 2022 | $6,368.00 | $528,450 Land $524,690 Building $3,760 | $528,450 Land $524,690 Building $3,760 |
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 21 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 21 in force |
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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