Okaloosa County property record for 407 Main St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,256 sqft · built 1974 |
| Lot Size | 0.257 acres (11,199 sqft) |
| Owner | Individual Name on File |
| Last Sale | $202,000 (Feb 2018) |
| Tax Bill | $1,752 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9236-3 |
| Primary APN | C56-000-589-9236-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,256 sqft Living Area |
| Gross Area | 1,675 sqft |
| 1st Floor Area | 1,256 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 11,199 sqft (0.257 acres) |
| Lot Width | 80 ft Width |
| Garage Type | Attached |
| Garage Area | 364 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 55 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 407 MAIN ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELLY HOMES N 10 FT OF LOT 5 & ALL LOT 6 & THE S 20 FT OF LOT 7 BLK I |
| Legal Subdivision | KELLY HOMES |
| Legal Block | I |
| Legal Lot Number | 60 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 23307 |
407 Main St is owned and occupied by an individual who acquired it in March 2018.
Source: Okaloosa County records, as of January 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 407 MAIN ST, DESTIN, FL 32541-1918 |
| 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.
| Date | Document |
|---|---|
| Mar 28, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 2, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 8, 2018 | Quit Claim Deed, Transfer LIGHTHOUSE LAND TITLE COMPANY |
| Feb 15, 2018 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 15, 2018 · Amount on File |
| Deed Sale | Feb 15, 2018 · Amount on File |
| Deed Document Number | 20183188730 |
| Deed Book / Page | 3337 / 2593 |
| Last Transfer Date | Mar 7, 2018 |
| Transfer Doc | 0033402442 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 407 MAIN ST, DESTIN, FL 32541-1918 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 407 MAIN ST, DESTIN, FL 32541-1918 |
| Document Number | 0003679131 |
|---|---|
| Date | Mar 28, 2024 |
| Instrument | 3679131 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | 951 W YAMATO RD STE 175, BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 407 MAIN ST, DESTIN, FL 32541-1918 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2021 |
| Name | Verified Name |
|---|---|
| Address | 407 MAIN ST, DESTIN, FL 32541-1918 |
| Document Number | 0035580293 |
|---|---|
| Date | Jul 2, 2021 |
| Book Page | 3558/293 |
| Instrument | 3468965 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 321 Months |
| Due | Apr 1, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 8, 2018 |
| Property Address | 407 MAIN ST, DESTIN, FL 32541-1918 |
| Document Number | 0033402442 |
| Book / Page | 003340 / 002442 |
| Instrument Date | Mar 6, 2018 |
| Instrument | 3193041 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2018 |
| Title Company | LIGHTHOUSE LAND TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 MAIN ST DESTIN FL 325411918, DESTIN, FL 32541-1918 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 15, 2018 |
| Property Address | 407 MAIN ST, DESTIN, FL 32541-1918 |
| Document Number | 0033372593 |
| Book / Page | 003337 / 002593 |
| Instrument Date | Feb 12, 2018 |
| Instrument | 3188730 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2018 |
| Title Company | LIGHTHOUSE LAND TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,414.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 336 SIBERT AVE #B DESTIN FL 325411918, B, DESTIN, FL 32541-1918 |
| Document Number | 33372594 |
|---|---|
| Date | Feb 15, 2018 |
| Book Page | 003337/002594 |
| Instrument | 3188731 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 14, 2048 |
The 2025 property tax bill for 407 Main St was $1,752 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 | $1,752.00 Homeowner's exemption | $187,032 | $272,203 Land $118,750 Building $153,453 |
| 2023 | $1,647.00 (+2.87%) Homeowner's exemption | $176,467 (+3%) | $260,826 (+7.91%) Land $107,748 Building $153,078 |
| 2022 | $1,601.00 Homeowner's exemption | $171,327 | $241,714 Land $97,953 Building $143,761 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 407 Main St in Zone X, an area of minimal flood risk, though there have been 96 flood claims nearby since 1982.
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 24 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 24 in force |
| Nearby Flood Claims | 96 (1982–2014) |
| Claims Outside the SFHA | 50 of 96 |
| Most Recent Claim | Apr 2014 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
| 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 407 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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