Okaloosa County property record for 431 Benning Dr, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,895 sqft · built 1965 |
| Lot Size | 0.349 acres (15,191 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $350,000 (Dec 2025) |
| Tax Bill | $3,681 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-7098-9 |
| Primary APN | C56-000-589-7098-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,895 sqft Living Area |
| Gross Area | 2,689 sqft |
| 1st Floor Area | 1,895 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 15,191 sqft (0.349 acres) |
| Lot Width | 100 ft Width |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 794 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 431 BENNING DR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EASTWOOD LOT 2 BLK 1 |
| Legal Subdivision | EASTWOOD |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| 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 March 6, 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 Record |
|---|---|
| Mailing Address | 74 SAINT DUNSTANS CIR, ASHEVILLE, NC 28803-2618 |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Dec 19, 2025 | Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK |
| Dec 22, 2020 | Warranty Deed, Transfer · Conventional with PMI LAURA B WRIGHT |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 19, 2025 · Amount on Record |
| Deed Sale | Dec 19, 2025 · Amount on Record |
| Prior Sale | Dec 22, 2020 · Amount on Record |
| Deed Document Number | 20253789777 |
| Prior Transfer Date | Dec 3, 2012 |
| Prior Transfer Doc | 0030722713 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Dec 19, 2025 |
| Property Address | 431 BENNING DR, DESTIN, FL 32541-2413 |
| Document Number | 0003789777 |
| Map Reference | MB 4 PG 7 |
| Instrument Date | Dec 18, 2025 |
| Instrument | 3789777 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2026 |
| Title Company | MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 793 SPRING LAKE DR, DESTIN, FL 32541-1901 |
| Name | Verified Name |
|---|---|
| Address | 74 SAINT DUNSTANS CIR, ASHEVILLE, NC 28803-2618 |
| Document Number | 0003789779 |
|---|---|
| Date | Dec 19, 2025 |
| Instrument | 3789779 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Dec 22, 2020 |
| Property Address | 431 BENNING DR, DESTIN, FL 32541-2413 |
| Document Number | 0035134848 |
| Book / Page | 003513 / 004848 |
| Instrument Date | Dec 17, 2020 |
| Instrument | 3416951 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,855.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 793 SPRING LAKE DR DESTIN FL 325411901, DESTIN, FL 32541-1901 |
| Document Number | 35134850 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | 003513/004850 |
| Instrument | 3416952 |
| Name | LAURA B WRIGHT |
|---|---|
| Address | 110 PERRY AVE SE, FORT WALTON BEACH, FL 32548-5512 |
| Special Notes | Seller Financed |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
Source: Okaloosa County assessment roll, as of December 31, 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 | $3,681.00 (+11.38%) | $327,177 (+4.41%) Land $145,583 Building $181,594 | $327,177 (+4.41%) Land $145,583 Building $181,594 |
| 2023 | $3,305.00 (+13.03%) | $313,350 (+18.19%) Land $132,096 Building $181,254 | $313,350 (+18.19%) Land $132,096 Building $181,254 |
| 2022 | $2,924.00 | $265,125 Land $120,087 Building $145,038 | $265,125 Land $120,087 Building $145,038 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures