410 Cedar St, Destin, FL 32541 Property Records

Okaloosa County property record for 410 Cedar St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,532 sqft · built 1980
Lot Size	0.22 acres (9,598 sqft)
Owner	2 Individual Names on File
Last Sale	$84,373 (Apr 2018)
Tax Bill	$3,787 (2025)
Deeds & Mortgages	Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-4335-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-4335-6`
Alternative APNs	`00-2S-22-3090-000E-0270` `22S2003090000E0270`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,532 sqft Living Area
Gross Area	2,340 sqft
1st Floor Area	1,532 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	9,598 sqft (0.22 acres)
Lot Width	80 ft Width
Garage Type	Carport
Garage Area	494 sqft
Carport	Carport
Carport Area	494 sqft
Porch	Finished/Open Porch
Porch Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	410 CEDAR ST
City	DESTIN
State	FL
Zip	32541-2623
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELL-AIRE GARDENS LOT 27 BLK E
Legal Subdivision	AIRE GARDENS
Legal Block	E
Legal Lot Number	27
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2007
Census Tract	23305

Owner

410 Cedar St is owned and occupied by two individuals who bought it in April 2018.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	410 CEDAR ST, DESTIN, FL 32541-2623
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2018 · Amount on File
Deed Sale	Apr 16, 2018 · Amount on File
Deed Document Number	20183200731
Deed Book / Page	3345 / 4182
Prior Transfer Date	Nov 18, 2004
Prior Transfer Doc	0025852134
Record Updated	Oct 29, 2026

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 16, 2018
Property Address	410 CEDAR ST, DESTIN, FL 32541-2623
Document Number	0033454182
Book / Page	3345 / 4182
Map Reference	MB5 PG48
Instrument Date	Apr 2, 2018
Instrument	3200731
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	389 GRANNY DORIS BLVD, 389, INMAN, SC 29349-6247

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	322 ANACAPA ISLAND DR, CAMARILLO, CA 93012-9116

Mortgage

Document Number	0003200732
Date	Apr 16, 2018
Instrument	3200732

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 410 Cedar St was $3,787.

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	$3,787.00	$319,822 Land $129,985 Building $189,837	$319,822 Land $129,985 Building $189,837
2023	$3,405.00 (+7.86%)	$307,483 (+7.78%) Land $117,943 Building $189,540	$307,483 (+7.78%) Land $117,943 Building $189,540
2022	$3,157.00	$285,280 Land $107,221 Building $178,059	$285,280 Land $107,221 Building $178,059

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

Flood

FEMA maps place 410 Cedar St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 410 Cedar St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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.

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