406 Juniper St, Destin, FL 32541 Property Records

Okaloosa County property record for 406 Juniper St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,476 sqft · built 1986
Lot Size	0.257 acres (11,172 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Mar 2022)
Tax Bill	$4,527 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Sep 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-4253-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-4253-1`
Alternative APNs	`00-2S-22-3090-000B-0120` `22S2003090000B0120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,476 sqft Living Area
Gross Area	2,263 sqft
1st Floor Area	1,476 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,172 sqft (0.257 acres)
Lot Width	80 ft Width
Garage Type	Attached
Garage Area	475 sqft
Porch	Florida Room
Porch Area	312 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	406 JUNIPER ST
City	DESTIN
State	FL
Zip	32541-2612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELL-AIR GARDENS LOT 12 BLK B
Legal Subdivision	AIR GARDENS
Legal Block	B
Legal Lot Number	12
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2009
Census Tract	23305

Owner

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	Individual Name on Record
Mailing Address	3630 MONIQUE CT, DESTIN, FL 32541-1632
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2022	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Sep 19, 2017	Deed of Trust, Mortgage FIRST FLORIDA BANK
Dec 27, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Jan 8, 2019	Quit Claim Deed, Transfer · Conventional Mortgage FIRST FLORIDA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2022 · Amount on Record
Deed Sale	Mar 25, 2022 · Amount on Record
Prior Sale	Jan 8, 2019 · Amount on Record
Deed Document Number	20223537385
Deed Book / Page	3612 / 2210
Prior Transfer Date	Dec 28, 2018
Prior Transfer Doc	0033810043
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 25, 2022
Property Address	406 JUNIPER ST, DESTIN, FL 32541-2612
Document Number	0036122210
Book / Page	3612 / 2210
Map Reference	MB 5 PG 48
Instrument Date	Mar 25, 2022
Instrument	3537385
Transaction Type	Transfer
Record Updated	Apr 8, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	406 JUNIPER ST, 406, DESTIN, FL 32541-2612

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 JUNIPER ST, DESTIN, FL 32541-2612

Mortgage

Document Number	0036122212
Date	Mar 25, 2022
Instrument	3612/2212

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	406 JUNIPER ST, DESTIN, FL 32541-2612
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033180141
Date	Sep 19, 2017
Book Page	3318/0141
Instrument	3160639

Lender

Name	FIRST FLORIDA BANK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Amount	Amount Recorded

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	406 JUNIPER ST, DESTIN, FL 32541-2612
Document Number	0034362609
Instrument Date	Dec 27, 2019
Transaction Type	Mortgage
Record Updated	Jan 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	406 JUNIPER ST DESTIN FL 325412612, DESTIN, FL 32541-2612

Mortgage

Document Number	0034362609
Date	Jan 2, 2020
Book Page	003436/002609
Instrument	3327772

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 8, 2019
Property Address	406 JUNIPER ST, DESTIN, FL 32541-2612
Document Number	0033810043
Book / Page	3381 / 0043
Map Reference	MB 5 PG 48
Instrument Date	Dec 28, 2018
Instrument	3252291
Transaction Type	Transfer
Record Updated	Jan 10, 2022

Transaction

Amount	Amount Recorded
Tax	$201.67
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	406 JUNIPER ST, 406, DESTIN, FL 32541-2612

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 JUNIPER ST, DESTIN, FL 32541-2612

Mortgage

Document Number	0003252292
Date	Jan 8, 2019
Instrument	3252292

Lender

Name	FIRST FLORIDA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Destin City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,527.00 (+3.81%)	$382,287 (+4.72%) Land $129,985 Building $252,302	$382,287 (+4.72%) Land $129,985 Building $252,302
2023	$4,361.00 (+197.07%)	$365,071 (+127.04%) Land $117,943 Building $247,128	$365,071 (+7.34%) Land $117,943 Building $247,128
2022	$1,468.00 Homeowner's exemption Widower's exemption	$160,796	$340,116 Land $107,221 Building $232,895

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	Hurricane Dennis, Jul 2005 · 5 claims Hurricane Frances, Sep 2004 · 7 claims Hurricane Georges, Sep 1998 · 7 claims

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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