415 Main St, Destin, FL 32541 Property Records

Okaloosa County property record for 415 Main St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,593 sqft · built 1972
Lot Size	0.257 acres (11,199 sqft)
Owner	2 Company Names on Record
Last Sale	$296,000 (Dec 2021)
Tax Bill	$4,155 (2025)
Deeds & Mortgages	Aug 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-9239-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-9239-7`
Alternative APNs	`00-2S-22-1350-000I-0100` `22S2001350000I0100`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,593 sqft Living Area
Gross Area	2,789 sqft
1st Floor Area	1,593 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 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	Attached
Garage Area	420 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	336 sqft
Patio Area	280 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	415 MAIN ST
City	DESTIN
State	FL
Zip	32541-1918
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELLY HOMES N 20 FT OF LOT 10, ALL LOT 11, & S 10 FT OF 12 BLK I 1108-379
Legal Subdivision	KELLY HOMES
Legal Block	I
Legal Lot Number	100
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1000
Census Tract	23307

Owner

Source: Okaloosa County records, as of June 9, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	823 KELL AIRE CT, DESTIN, FL 32541-2643
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2021 · Amount on Record
Deed Sale	Dec 23, 2021 · Amount on Record
Deed Document Number	20213515108
Deed Book / Page	3594 / 4617
Last Transfer Date	Jul 29, 2022
Transfer Doc	0036353638
Record Updated	Sep 20, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Aug 2, 2022
Property Address	415 MAIN ST, DESTIN, FL 32541-1918
Document Number	0036353638
Book / Page	3635 / 3638
Map Reference	MB 3 PG 32
Instrument Date	Jul 29, 2022
Instrument	3568738
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	823 KELL AIRE CT, 823, DESTIN, FL 32541-2643

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	823 KELL AIRE CT, DESTIN, FL 32541-2643

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	$4,155.00 (+0.05%)	$350,833 (+0.92%) Land $118,750 Building $232,083	$350,833 (+0.92%) Land $118,750 Building $232,083
2023	$4,153.00 (+22%)	$347,648 (+13.79%) Land $107,748 Building $239,900	$347,648 (+13.79%) Land $107,748 Building $239,900
2022	$3,404.00	$305,514 Land $97,953 Building $207,561	$305,514 Land $97,953 Building $207,561

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
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	Hurricane Frances, Sep 2004 · 39 claims Hurricane Georges, Sep 1998 · 9 claims Hurricane Opal, Oct 1995 · 35 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	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.

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 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