Okaloosa County property record for 406 Main St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,166 sqft · built 1979 |
| Lot Size | 0.406 acres (17,678 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,089 (2025) |
| Deeds & Mortgages | Feb 2026 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-4412-3 |
| Primary APN | C56-000-590-4412-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,166 sqft Living Area |
| Gross Area | 1,656 sqft |
| 1st Floor Area | 1,166 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 17,678 sqft (0.406 acres) |
| Lot Width | 88 ft Width |
| Garage Type | Attached |
| Garage Area | 475 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 15 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 406 MAIN ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1919 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELL-AIRE GARDENS 2ND ADD LOT 10 BLK H |
| Legal Subdivision | KELL-AIRE GARDENS 2ND ADD |
| Legal Block | H |
| Legal Lot Number | 10 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 23305 |
406 Main St is owned and occupied by an individual who acquired it in February 2026.
Source: Okaloosa County records, as of February 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 406 MAIN ST, DESTIN, FL 32541-1919 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 | Name on Deed |
|---|---|
| Last Transfer Date | Feb 10, 2026 |
| Transfer Doc | 0003798618 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 12, 2026 |
| Property Address | 406 MAIN ST, DESTIN, FL 32541-1919 |
| Document Number | 0003798618 |
| Map Reference | MB 5 PG 90 |
| Instrument Date | Feb 10, 2026 |
| Instrument | 3798618 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 102 MONARCH DR, SANTA ROSA BEACH, FL 32459-3170 |
| Name | Verified Name |
|---|---|
| Address | 102 MONARCH DR, SANTA ROSA BEACH, FL 32459-3170 |
The 2025 property tax bill for 406 Main St was $1,089 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 | $1,089.00 Homeowner's exemption | $131,033 | $264,512 Land $125,345 Building $139,167 |
| 2023 | $1,016.00 (+3.36%) Homeowner's exemption | $123,631 (+3%) | $252,693 (+8.01%) Land $113,732 Building $138,961 |
| 2022 | $983.00 Homeowner's exemption | $120,030 | $233,958 Land $103,393 Building $130,565 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 Main St in Zone X, an area of minimal flood risk, though there have been 29 flood claims nearby since 1995.
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 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.
The area around 406 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 |
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