Okaloosa County property record for 407 Cedar St, Destin, FL 32541 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,749 sqft · built 1982 |
| Lot Size | 0.234 acres (10,199 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $240,000 (Feb 2015) |
| Tax Bill | $2,051 (2025) |
| Deeds & Mortgages | Jun 2019 Mortgage Feb 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-4340-6 |
| Primary APN | C56-000-590-4340-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,749 sqft Living Area |
| Gross Area | 2,426 sqft |
| 1st Floor Area | 1,749 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 10,199 sqft (0.234 acres) |
| Lot Width | 85 ft Width |
| Garage Type | Attached |
| Garage Area | 580 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 97 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 407 CEDAR ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2622 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELL-AIRE GARDENS LOT 4 BLK F |
| Legal Subdivision | AIRE GARDENS |
| Legal Block | F |
| Legal Lot Number | 4 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 23305 |
Source: Okaloosa County records · APN C56-000-590-4340-6
Assessment roll updated December 31, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 407 CEDAR ST, DESTIN, FL 32541-2622 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Jun 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE ONE/SOUTH |
| Feb 16, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 13, 2015 · Amount on Record |
| Deed Sale | Feb 13, 2015 · Amount on Record |
| Prior Sale | Mar 04, 2005 · Amount on Record |
| Deed Document Number | 20152978469 |
| Deed Book / Page | 3184 / 2002 |
| Last Transfer Date | Feb 15, 2018 |
| Transfer Doc | 0033373820 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 407 CEDAR ST, DESTIN, FL 32541-2622 |
| Document Number | 0034060107 |
| Instrument Date | Jun 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 407 CEDAR ST DESTIN FL 325412622, DESTIN, FL 32541-2622 |
| Document Number | 0034060107 |
|---|---|
| Date | Jun 26, 2019 |
| Book Page | 003406/000107 |
| Instrument | 3287327 |
| Name | MORTGAGE ONE/SOUTH |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 25, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 16, 2018 |
| Property Address | 407 CEDAR ST, DESTIN, FL 32541-2622 |
| Document Number | 0033373820 |
| Book / Page | 003337 / 003820 |
| Instrument Date | Feb 14, 2018 |
| Instrument | 3189098 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 407 CEDAR ST DESTIN FL 325412622, DESTIN, FL 32541-2622 |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,051.00 (+6.16%) Homeowner's exemption | $212,265 (+5.99%) | $420,187 (+5.79%) Land $129,985 Building $290,202 |
| 2023 | $1,932.00 (+2.77%) Homeowner's exemption | $200,275 (+3%) | $397,176 (+7.36%) Land $117,943 Building $279,233 |
| 2022 | $1,880.00 Homeowner's exemption | $194,442 | $369,954 Land $107,221 Building $262,733 |
Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910233052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 100 individual NFIP policies nearby |
| 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 Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 317 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| LiveOak Fiber | Fiber | 5,000 / 5,000 |
| AT&T | Fiber | 5,000 / 5,000 |
| Cox Communications | Cable | 2,000 / 100 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.
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