Okaloosa County property record for 409 Main St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,369 sqft · built 1974 |
| Lot Size | 0.257 acres (11,199 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $316,000 (Jun 2020) |
| Tax Bill | $3,631 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Jun 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9237-1 |
| Primary APN | C56-000-589-9237-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,369 sqft Heated Area |
| Gross Area | 2,703 sqft |
| 1st Floor Area | 1,577 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Custom/Decorative |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1990 |
| 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 | Finished |
| Garage Area | 286 sqft |
| Porch | Open Porch |
| Porch Area | 85 sqft |
| Patio Area | 963 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 409 MAIN ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELLY HOMES N 30 FT OF LOT 7 & ALL OF LOT 8 BLK I |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | KELLY HOMES S/D |
| Legal Block | I |
| Legal Lot Number | 7 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 23307 |
Source: Okaloosa County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1 NORRIS AVE, BLUFFTON, SC 29910-8802 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 4, 2021 | Deed of Trust, Mortgage · VA Mortgage NP INC |
| Jun 19, 2020 | Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC |
| Aug 29, 2019 | Grant Deed, Transfer · Conventional with PMI ANCHOR NATIONWIDE LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 19, 2020 · Amount on Record |
| Deed Sale | Jun 19, 2020 · Amount on Record |
| Prior Sale | Aug 29, 2019 · Amount on Record |
| Deed Document Number | 3366903 |
| Deed Book / Page | 3469 / 4828 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 409 MAIN ST, DESTIN, FL 32541-1918 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 409 MAIN ST, DESTIN, FL 32541-1918 |
| Document Number | 0035643496 |
|---|---|
| Date | Aug 4, 2021 |
| Book Page | 3564/3496 |
| Instrument | 3477286 |
| Name | NP INC |
|---|---|
| Type | Mortgage Company |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 19, 2020 |
| Property Address | 409 MAIN ST, DESTIN, FL 32541-1918 |
| Document Number | 0034694828 |
| Book / Page | 3469 / 4828 |
| Map Reference | MB 3 PG 32 |
| Instrument Date | Jun 17, 2020 |
| Instrument | 3366903 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | MTI TITLE INSURANCE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,212.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4285 SW MARTIN HWY, 4285, PALM CITY, FL 34990-8615 |
| Name | Verified Name |
|---|---|
| Address | 409 MAIN ST, DESTIN, FL 32541-1918 |
| Document Number | 0034694830 |
|---|---|
| Date | Jun 19, 2020 |
| Instrument | 3469/4830 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 29, 2019 |
| Property Address | 409 MAIN ST, DESTIN, FL 32541-1918 |
| Document Number | 0034161741 |
| Book / Page | 003416 / 001741 |
| Instrument Date | Aug 28, 2019 |
| Instrument | 3301283 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,330.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6955 SW WOODBINE WAY PALM CITY FL 349908303, PALM CITY, FL 34990-8303 |
| Investor | Possibly a Property Investor |
| Document Number | 34161745 |
|---|---|
| Date | Aug 29, 2019 |
| Book Page | 003416/001745 |
| Instrument | 3301285 |
| Name | ANCHOR NATIONWIDE LOANS LLC |
|---|---|
| Address | CALABASAS, CA 91302 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
Source: Okaloosa County assessment roll, as of July 1, 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 | $3,631.00 (+65.8%) | $306,612 (+38.15%) Land $118,750 Building $187,862 | $306,612 (+4.24%) Land $118,750 Building $187,862 |
| 2023 | $2,190.00 (+2.67%) Homeowner's exemption | $221,942 (+3%) | $294,148 (+8.37%) Land $107,748 Building $186,400 |
| 2022 | $2,133.00 Homeowner's exemption | $215,478 | $271,428 Land $97,953 Building $173,475 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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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