Okaloosa County property record for 411 Main St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,748 sqft · built 1972 |
| Lot Size | 0.257 acres (11,199 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $435,000 (Sep 2022) |
| Tax Bill | $3,806 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Sep 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9238-9 |
| Primary APN | C56-000-589-9238-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,748 sqft Heated Area |
| Gross Area | 2,178 sqft |
| 1st Floor Area | 1,798 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| 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 | 380 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 411 MAIN ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELLY HOMES LOT 9 & S 30 FT OF LOT 10 BLK I |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | KELLY HOMES S/D |
| Legal Block | I |
| Legal Lot Number | 9 |
| 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 | 411 MAIN ST, DESTIN, FL 32541-1918 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 12, 2024 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 6, 2022 | Special Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 25, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 6, 2022 · Amount on Record |
| Deed Sale | Sep 6, 2022 · Amount on Record |
| Prior Sale | Nov 25, 2019 |
| Deed Document Number | 3576476 |
| Deed Book / Page | 3641 / 1771 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 411 MAIN ST, DESTIN, FL 32541-1918 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2024 |
| Name | Verified Name |
|---|---|
| Address | 411 MAIN ST, DESTIN, FL 32541-1918 |
| Document Number | 0003675683 |
|---|---|
| Date | Mar 12, 2024 |
| Instrument | 3675683 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Mar 1, 2064 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 6, 2022 |
| Property Address | 411 MAIN ST, DESTIN, FL 32541-1918 |
| Document Number | 0036411771 |
| Book / Page | 3641 / 1771 |
| Map Reference | MB 3 PG 32 |
| Instrument Date | Sep 1, 2022 |
| Instrument | 3576476 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Title Company | MAJESTY TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,045.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4006 S MACDILL AVE, TAMPA, FL 33611-1545 |
| Name | Verified Name |
|---|---|
| Address | 411 MAIN ST, DESTIN, FL 32541-1918 |
| Document Number | 0036411773 |
|---|---|
| Date | Sep 6, 2022 |
| Book Page | 3641/1773 |
| Instrument | 3576477 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Nov 25, 2019 |
| Property Address | 411 MAIN ST, DESTIN, FL 32541-1918 |
| Document Number | 0034303416 |
| Book / Page | 003430 / 003416 |
| Instrument Date | Aug 31, 2019 |
| Instrument | 3320468 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 411 MAIN ST DESTIN FL 325411918, DESTIN, FL 32541-1918 |
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 | $3,806.00 (+3.03%) | $321,416 (+3.94%) Land $118,750 Building $202,666 | $321,416 (+3.94%) Land $118,750 Building $202,666 |
| 2023 | $3,694.00 (+7.48%) | $309,221 (+8.41%) Land $107,748 Building $201,473 | $309,221 (+8.41%) Land $107,748 Building $201,473 |
| 2022 | $3,437.00 | $285,227 Land $97,953 Building $187,274 | $285,227 Land $97,953 Building $187,274 |
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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