Okaloosa County property record for 409 Spring Ln, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,296 sqft · built 1974 |
| Lot Size | 0.264 acres (11,519 sqft) |
| Owner | Company Name on Record |
| Last Sale | $241,100 (Jul 2017) |
| Tax Bill | $3,478 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Jul 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-2960-3 |
| Primary APN | C56-000-590-2960-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| Gross Area | 1,880 sqft |
| 1st Floor Area | 1,296 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 | 11,519 sqft (0.264 acres) |
| Lot Width | 90 ft Width |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 104 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 409 SPRING LN |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1942 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING LAKE 2ND ADD LOT 4 BLK H |
| Legal Subdivision | SPRING LAKE 2ND ADD |
| Legal Block | H |
| Legal Lot Number | 4 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 23307 |
Source: Okaloosa County records, as of May 11, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 6549 SPRING BOTTOM WAY, 231, BOCA RATON, FL 33433-5150 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Apr 29, 2026 | Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK OF MISSISSIPPI |
| Jul 13, 2017 | Warranty Deed, Transfer MCNEESE TITLE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 13, 2017 · Amount on Record |
| Deed Sale | Jul 13, 2017 · Amount on Record |
| Prior Sale | Jun 18, 2014 · Amount on Record |
| Deed Document Number | 20173147179 |
| Deed Book / Page | 3308 / 1467 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Apr 29, 2026 |
| Property Address | 409 SPRING LN, DESTIN, FL 32541-1942 |
| Document Number | 0003813791 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 20263813791 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 6549 SPRING BOTTOM WAY, 231, BOCA RATON, FL 33433-5150 |
| Document Number | 0003813791, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 20263813791 |
| Name | COMMUNITY BANK OF MISSISSIPPI |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 13, 2017 |
| Property Address | 409 SPRING LN, DESTIN, FL 32541-1942 |
| Document Number | 0033081467 |
| Book / Page | 003308 / 001467 |
| Instrument Date | Jul 10, 2017 |
| Instrument | 3147179 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2017 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,687.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 81 SUNFISH ST DESTIN DESTIN FL 32541, DESTIN, FL 32541 |
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 | $3,478.00 (+11.94%) | $294,575 (+4.66%) Land $129,985 Building $164,590 | $294,575 (+4.66%) Land $129,985 Building $164,590 |
| 2023 | $3,107.00 (+7.92%) | $281,454 (+7.93%) Land $117,943 Building $163,511 | $281,454 (+7.93%) Land $117,943 Building $163,511 |
| 2022 | $2,879.00 | $260,780 Land $107,221 Building $153,559 | $260,780 Land $107,221 Building $153,559 |
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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