409 Cedar St, Destin, FL 32541 Property Records

Okaloosa County property record for 409 Cedar St, Destin, FL 32541 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,748 sqft · built 1987
Lot Size	0.234 acres (10,199 sqft)
Owner	2 Company Names on File
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-4339-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-4339-8`
Alternative APNs	`00-2S-22-3090-000F-0030` `22S2003090000F0030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,748 sqft Living Area
Gross Area	2,691 sqft
1st Floor Area	1,748 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
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	528 sqft
Porch	Finished/Open Porch
Porch Area	415 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 CEDAR ST
City	DESTIN
State	FL
Zip	32541-2622
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELL-AIRE GARDENS LOT 3 BLK F
Legal Subdivision	AIRE GARDENS
Legal Block	F
Legal Lot Number	3
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2013
Census Tract	23305

Owner

Source: Okaloosa County records · APN C56-000-590-4339-8

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	409 CEDAR ST, DESTIN, FL 32541-2622
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jul 10, 2008
Transfer Doc	0028503692
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified April 2026

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

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	Homeowner's exemption Veteran's exemption	$205,877 (+5.99%)	$434,640 (+6.13%) Land $129,985 Building $304,655
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$194,248	$409,528 Land $117,943 Building $291,585

Flood & Wildfire

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

Flood

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 50 of 100 on primary residences
Nearby Flood Claims	29 (1995–2021)
Claims Outside the SFHA	25 of 29
Most Recent Claim	Apr 2021, other causes
Flood Events	Hurricane Dennis (Jul 2005), 5 claims Hurricane Frances (Sep 2004), 7 claims Hurricane Georges (Sep 1998), 7 claims

Wildfire

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.