417 Main St, Destin, FL 32541 Property Records

Okaloosa County property record for 417 Main St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,734 sqft · built 1973
Lot Size	0.257 acres (11,199 sqft)
Owner	Individual Name on File
Tax Bill	$3,868 (2025)
Deeds & Mortgages	Jun 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-9240-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-9240-5`
Alternative APNs	`00-2S-22-1350-000I-0120` `22S2001350000I0120`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,734 sqft Living Area
Gross Area	2,734 sqft
1st Floor Area	1,118 sqft
Upper Floors Area	616 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Aluminum/Vinyl
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	312 sqft
Porch	Florida Room
Porch Area	422 sqft
Patio Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	417 MAIN ST
City	DESTIN
State	FL
Zip	32541-1918
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELLY HOMES N 40 FT OF LOT 12 & S 40 FT OF LOT 13 BLK I
Legal Subdivision	KELLY HOMES
Legal Block	I
Legal Lot Number	120
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1000
Census Tract	23307

Owner

417 Main St is owned and occupied by an individual who acquired it in June 2022.

Source: Okaloosa County records, as of December 31, 2025

Owner of Record	Individual Name on File
Mailing Address	417 MAIN ST, DESTIN, FL 32541-1918
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	Name on Deed
Last Transfer Date	Jun 22, 2022
Transfer Doc	0036293932
Record Updated	Sep 20, 2026

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Jun 28, 2022
Property Address	417 MAIN ST, DESTIN, FL 32541-1918
Document Number	0036293932
Book / Page	3629 / 3932
Map Reference	MB 3 PG 32
Instrument Date	Jun 22, 2022
Instrument	3560408
Transaction Type	Transfer
Record Updated	Jul 19, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	417 MAIN ST, 417, DESTIN, FL 32541-1918

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 MAIN ST, DESTIN, FL 32541-1918

Tax Assessment & Valuation

The 2025 property tax bill for 417 Main St was $3,868.

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	$3,868.00	$326,677 Land $118,750 Building $207,927	$326,677 Land $118,750 Building $207,927
2023	$3,771.00 (+145.51%)	$315,667 (+90.21%) Land $107,748 Building $207,919	$315,667 (+7.58%) Land $107,748 Building $207,919
2022	$1,536.00 Homeowner's exemption	$165,955	$293,422 Land $97,953 Building $195,469

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

Flood

FEMA maps place 417 Main 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 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

The area around 417 Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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