Okaloosa County property record for 406 Cedar St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 1,356 sqft · built 1987 |
| Lot Size | 0.22 acres (9,598 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $350,000 (Aug 2020) |
| Tax Bill | $4,160 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-4333-1 |
| Primary APN | C56-000-590-4333-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 1,356 sqft Heated Area |
| Gross Area | 2,001 sqft |
| 1st Floor Area | 840 sqft |
| Upper Floors Area | 516 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 9,598 sqft (0.22 acres) |
| Lot Width | 80 ft Width |
| Garage Type | Finished |
| Garage Area | 475 sqft |
| Porch | Open Porch |
| Porch Area | 42 sqft |
| Patio Area | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 406 CEDAR ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2623 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELL-AIRE GARDENS LOT 25 BLK E |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | KELL AIRE GARDENS |
| Legal Block | E |
| Legal Lot Number | 25 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 23305 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 406 CEDAR ST, DESTIN, FL 32541-2623 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 20, 2023 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Aug 6, 2020 | Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY LENDING GROUP LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 6, 2020 · Amount on Record |
| Deed Sale | Aug 6, 2020 · Amount on Record |
| Deed Document Number | 3379843 |
| Deed Book / Page | 3481 / 2852 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 406 CEDAR ST, DESTIN, FL 32541-2623 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 406 CEDAR ST, DESTIN, FL 32541-2623 |
| Document Number | 0003647521 |
|---|---|
| Date | Sep 20, 2023 |
| Instrument | 3647521 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 6, 2020 |
| Property Address | 406 CEDAR ST, DESTIN, FL 32541-2623 |
| Document Number | 0034812852 |
| Book / Page | 3481 / 2852 |
| Map Reference | MB 5 PG 48 |
| Instrument Date | Aug 5, 2020 |
| Instrument | 3379843 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | KNIGHT BARRY TITLE SLN INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 406 CEDAR ST, 406, DESTIN, FL 32541-2623 |
| Name | Verified Name |
|---|---|
| Address | 1014 AIRPORT RD UNIT 105, 105, DESTIN, FL 32541-2886 |
| Document Number | 0034812854 |
|---|---|
| Date | Aug 6, 2020 |
| Instrument | 3481/2854 |
| Name | UNIVERSITY LENDING GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
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 | $4,160.00 (+11.44%) | $351,315 (+5.16%) Land $129,985 Building $221,330 | $351,315 (+5.16%) Land $129,985 Building $221,330 |
| 2023 | $3,733.00 (+7.67%) | $334,073 (+7.38%) Land $117,943 Building $216,130 | $334,073 (+7.38%) Land $117,943 Building $216,130 |
| 2022 | $3,467.00 | $311,111 Land $107,221 Building $203,890 | $311,111 Land $107,221 Building $203,890 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 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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