Okaloosa County property record for 424 Beach Dr, Destin, FL 32541 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,259 sqft · built 1992 |
| Lot Size | 0.53 acres (23,089 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $95,000 (Sep 2021) |
| Tax Bill | $5,799 (2025) |
| Deeds & Mortgages | Sep 2021 Sale May 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-2941-3 |
| Primary APN | C56-000-590-2941-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,259 sqft Living Area |
| Gross Area | 3,793 sqft |
| 1st Floor Area | 2,259 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 23,089 sqft (0.53 acres) |
| Lot Width | 104 ft Width |
| Garage Type | Attached |
| Garage Area | 575 sqft |
| Porch | Florida Room |
| Porch Area | 414 sqft |
| Patio Area | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 424 BEACH DR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1ST SPRING LAKE ADD TO KELLY HOMES SUBD. LOT 48 BLK A |
| Legal Subdivision | 1ST SPRING LAKE ADD |
| Legal Block | A |
| Legal Lot Number | 48 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 23307 |
Source: Okaloosa County records · APN C56-000-590-2941-3
Assessment roll updated December 31, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 424 BEACH DR, DESTIN, FL 32541-2408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Sep 21, 2021 | Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION |
| May 11, 2021 | Warranty Deed, Transfer · Conventional Mortgage METRO CITY BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 21, 2021 · Amount on Record |
| Deed Sale | Sep 21, 2021 · Amount on Record |
| Prior Sale | May 11, 2021 · Amount on Record |
| Deed Document Number | 20213490375 |
| Deed Book / Page | 3575 / 1675 |
| Prior Transfer Date | Sep 13, 2021 |
| Prior Transfer Doc | 0035751675 |
| Record Updated | Jun 08, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 21, 2021 |
| Property Address | 424 BEACH DR, DESTIN, FL 32541-2408 |
| Document Number | 0035751675 |
| Book / Page | 3575 / 1675 |
| Map Reference | MB 4 PG 48 |
| Instrument Date | Sep 13, 2021 |
| Instrument | 3490375 |
| Transaction Type | Transfer |
| Record Updated | Oct 08, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Tax | $665.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 424 BEACH DR, DESTIN, FL 32541-2408 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 11, 2021 |
| Property Address | 424 BEACH DR, DESTIN, FL 32541-2408 |
| Document Number | 0035453890 |
| Book / Page | 3545 / 3890 |
| Map Reference | MB 4 PG 48 |
| Instrument Date | May 10, 2021 |
| Instrument | 3454133 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,730.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 172 SKI MOTEL PT, 172, HOT SPRINGS, AR 71913-9582 |
| Name | Verified Name |
|---|
| Document Number | 35453892 |
|---|---|
| Date | May 11, 2021 |
| Instrument | 3545/3892 |
| Name | METRO CITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Type Change Date | Jun 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 4.37% |
| Max Rate At Change | 6.62% |
| Index | 1-Year CMT |
| Max Rate | 10.6% |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,799.00 (+8.92%) | $489,704 (+3.41%) Land $163,781 Building $325,923 | $489,704 (+3.41%) Land $163,781 Building $325,923 |
| 2023 | $5,324.00 (+9.59%) | $473,534 (+11.26%) Land $148,608 Building $324,926 | $473,534 (+11.26%) Land $148,608 Building $324,926 |
| 2022 | $4,858.00 | $425,600 Land $128,665 Building $296,935 | $425,600 Land $128,665 Building $296,935 |
Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910233071, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 24 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 24 in force 14 of 24 on primary residences |
| Nearby Flood Claims | 96 (1982–2014) |
| Claims Outside the SFHA | 50 of 96 |
| Most Recent Claim | Apr 2014, other causes, Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
| Flood Events |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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