409 Juniper St, Destin, FL 32541 Property Records

Okaloosa County property record for 409 Juniper St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,570 sqft · built 1984
Lot Size	0.22 acres (9,598 sqft)
Owner	2 Individual Names on File
Last Sale	$151,800 (Aug 2021)
Tax Bill	$2,145 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Aug 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-4258-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-4258-0`
Alternative APNs	`00-2S-22-3090-000C-0030` `22S2003090000C0030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,570 sqft Living Area
Gross Area	2,421 sqft
1st Floor Area	1,570 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	9,598 sqft (0.22 acres)
Lot Width	80 ft Width
Garage Type	Attached
Garage Area	483 sqft
Porch	Finished/Open Porch
Porch Area	368 sqft
Patio Area	348 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 JUNIPER ST
City	DESTIN
State	FL
Zip	32541-2611
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELL-AIR GARDENS LOT 3 BLK C
Legal Subdivision	AIR GARDENS
Legal Block	C
Legal Lot Number	3
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2008
Census Tract	23305

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	409 JUNIPER ST, DESTIN, FL 32541-2611
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 23, 2021	Quit Claim Deed, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 16, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Mar 27, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Jul 9, 2018	Loan Modification, Mortgage BANK OF ENGLAND
Jul 12, 2018	Warranty Deed, Transfer · Conventional with PMI BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 23, 2021 · Amount on Record
Deed Sale	Aug 23, 2021 · Amount on Record
Prior Sale	Mar 27, 2019 · Amount on Record
Deed Document Number	20213482666
Deed Book / Page	3568 / 4897
Prior Transfer Date	Jul 22, 2021
Prior Transfer Doc	0035684897
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Recording Date	Jun 25, 2026
Property Address	409 JUNIPER ST, DESTIN, FL 32541-2611
Document Number	0003824578
Instrument Date	Jun 18, 2026
Instrument	20263824578
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	409 JUNIPER ST, DESTIN, FL 32541-2611

Mortgage

Document Number	0003824578,
Date	Jun 25, 2026
Instrument	20263824578

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 23, 2021
Property Address	409 JUNIPER ST, DESTIN, FL 32541-2611
Document Number	0035684897
Book / Page	3568 / 4897
Map Reference	MB 5 PG 48
Instrument Date	Jul 22, 2021
Instrument	3482666
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$1,062.60
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 UNIPER STREET, 409, DESTIN, FL 32541

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	409 JUNIPER ST, DESTIN, FL 32541-2611

Mortgage

Document Number	35684900
Date	Aug 23, 2021
Instrument	3568/4900

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	409 JUNIPER ST, DESTIN, FL 32541-2611
Document Number	0034354863
Instrument Date	Dec 16, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 JUNIPER ST DESTIN FL 325412611, DESTIN, FL 32541-2611

Mortgage

Document Number	0034354863
Date	Dec 30, 2019
Book Page	003435/004863
Instrument	3327051

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 29, 2049

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 27, 2019
Property Address	409 JUNIPER ST, DESTIN, FL 32541-2611
Document Number	0033904720
Book / Page	003390 / 004720
Instrument Date	Mar 22, 2019
Instrument	3267319
Transaction Type	Transfer
Record Updated	Apr 8, 2019
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,177.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 JUNIPER ST DESTIN FL 325412611, DESTIN, FL 32541-2611

Mortgage

Document Number	33904722
Date	Mar 27, 2019
Book Page	003390/004722
Instrument	3267320

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2049

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	409 JUNIPER ST, DESTIN, FL 32541-2611
Document Number	0033642541
Instrument Date	Jul 9, 2018
Transaction Type	Mortgage
Record Updated	Sep 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 JUNIPER ST DESTIN FL 325412611, DESTIN, FL 32541-2611

Mortgage

Document Number	0033642541
Date	Aug 22, 2018
Book Page	003364/002541
Instrument	3227896

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2048

Interest

Rate	4.75%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 12, 2018
Property Address	409 JUNIPER ST, DESTIN, FL 32541-2611
Document Number	0033584074
Book / Page	003358 / 004074
Instrument Date	Jul 6, 2018
Instrument	3219209
Transaction Type	Transfer
Record Updated	Aug 1, 2018
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,988.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	213 W MENEFEE ST MANCOS CO 813289095, MANCOS, CO 81328-9095

Mortgage

Document Number	33584079
Date	Jul 12, 2018
Book Page	003358/004079
Instrument	3219212

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	UTTLE ROCK, AZ 72201

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2048

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	$2,145.00 (+6.35%) Homeowner's exemption Veteran's exemption	$225,172 (+5.99%)	$319,588 (+4.17%) Land $129,985 Building $189,603
2023	$2,017.00 (+2.8%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$212,452 (+3%)	$306,790 (+7.75%) Land $117,943 Building $188,847
2022	$1,962.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$206,264	$284,713 Land $107,221 Building $177,492

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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 USA.

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