Okaloosa County property record for 425 Benning Dr, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,685 sqft · built 1984 |
| Lot Size | 0.328 acres (14,296 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $475,000 (Feb 2023) |
| Tax Bill | $4,175 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-4767-2 |
| Primary APN | C56-000-589-4767-2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,685 sqft Heated Area |
| Gross Area | 2,702 sqft |
| 1st Floor Area | 1,650 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 14,296 sqft (0.328 acres) |
| Lot Width | 94 ft Width |
| Garage Type | Finished |
| Garage Area | 537 sqft |
| Patio Area | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 425 BENNING DR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CALHOUN S/D DESTIN BEG AT NE COR BLK F-23 PROCEED S69.6 FT ALG BENNING DR THC W150 FT N94.3 FT E150 FT S25 FT TO POB |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | CALHOUN S/D |
| Legal Block | F-23 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 23306 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 425 BENNING DR, DESTIN, FL 32541-2413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 28, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage THE FIRST A NATIONAL BANKING ASSN |
| Jul 13, 2020 | Warranty Deed, Transfer LAKE MI CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2023 · Amount on Record |
| Deed Sale | Feb 28, 2023 · Amount on Record |
| Prior Sale | Jul 13, 2020 · Amount on Record |
| Deed Document Number | 3608501 |
| Deed Book / Page | 3663 / 4149 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 28, 2023 |
| Property Address | 425 BENNING DR, DESTIN, FL 32541-2413 |
| Document Number | 0036634149 |
| Book / Page | 3663 / 4149 |
| Instrument Date | Feb 24, 2023 |
| Instrument | 3608501 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2023 |
| Title Company | WAYPOINT TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,325.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 67 LARKWOOD CT, STAFFORD, VA 22554-1584 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1133 MAYLAND LN, VESTAVIA HILLS, AL 35216-2227 |
| Document Number | 0036634168 |
|---|---|
| Date | Feb 28, 2023 |
| Book Page | 3663/4168 |
| Instrument | 3608506 |
| Name | THE FIRST A NATIONAL BANKING ASSN |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32541 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Mar 1, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 13, 2020 |
| Property Address | 425 BENNING DR, DESTIN, FL 32541-2413 |
| Document Number | 0034750488 |
| Book / Page | 003475 / 000488 |
| Instrument Date | Jul 10, 2020 |
| Instrument | 3372715 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2020 |
| Title Company | CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,520.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 425 BENNING DR DESTIN FL 325412413, DESTIN, FL 32541-2413 |
| Document Number | 34750497 |
|---|---|
| Date | Jul 13, 2020 |
| Book Page | 003475/000497 |
| Instrument | 3372719 |
| Name | LAKE MI CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jul 12, 2035 |
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 | $4,175.00 (+42.25%) Homeowner's exemption Widower's exemption | $396,602 (+39.53%) Land $145,583 Building $251,019 | $396,602 (+3.76%) Land $145,583 Building $251,019 |
| 2023 | $2,935.00 (+47.93%) Homeowner's exemption | $284,242 (+3%) | $382,222 (+10.23%) Land $132,096 Building $250,126 |
| 2022 | $1,984.00 Homeowner's exemption Veteran's exemption | $275,963 | $346,762 Land $120,087 Building $226,675 |
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 76 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 136 units insured incl. 60 condo units |
| Nearby Flood Claims | 95 (1994–2020) |
| Claims Outside the SFHA | 64 of 95 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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 337 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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