Okaloosa County property record for 435 Benning Dr, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,440 sqft · built 1982 |
| Lot Size | 0.348 acres (15,143 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $245,000 (Aug 2017) |
| Tax Bill | $3,633 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-7099-7 |
| Primary APN | C56-000-589-7099-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| Gross Area | 2,246 sqft |
| 1st Floor Area | 1,440 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,143 sqft (0.348 acres) |
| Lot Width | 100 ft Width |
| Garage Type | Attached |
| Garage Area | 477 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 266 sqft |
| Patio Area | 196 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 435 BENNING DR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EASTWOOD LOT 3 BLK 1 |
| Legal Subdivision | EASTWOOD |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| 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 August 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 435 BENNING DR, DESTIN, FL 32541-2413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 9, 2023 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Aug 23, 2017 | Warranty Deed, Transfer · Conventional Mortgage PRIME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2017 · Amount on Record |
| Deed Sale | Aug 23, 2017 · Amount on Record |
| Prior Sale | Nov 16, 2011 · Amount on Record |
| Deed Document Number | 20173155817 |
| Deed Book / Page | 3314 / 3305 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 435 BENNING DR, DESTIN, FL 32541-2413 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 435 BENNING DR, DESTIN, FL 32541-2413 |
| Document Number | 0036613005 |
|---|---|
| Date | Feb 9, 2023 |
| Book Page | 3661/3005 |
| Instrument | 3605450 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | SANTA ROSA BEACH, FL 32459 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 23, 2017 |
| Property Address | 435 BENNING DR, DESTIN, FL 32541-2413 |
| Document Number | 0033143305 |
| Book / Page | 003314 / 003305 |
| Instrument Date | Jul 25, 2017 |
| Instrument | 3155817 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2017 |
| Title Company | CUSTOMERS FIRST TITLE COMPANY, CUSTOMERS FIRST TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,715.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 312 ELLIOTT RD SE FORT WALTON BEACH FL 325487223, FORT WALTON BEACH, FL 32548-7223 |
| Document Number | 33143307 |
|---|---|
| Date | Aug 23, 2017 |
| Book Page | 003314/003307 |
| Instrument | 3155818 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 22, 2047 |
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 | $3,633.00 (+2.74%) Homeowner's exemption | $345,869 (+3.37%) Land $145,583 Building $200,286 | $345,869 (+3.37%) Land $145,583 Building $200,286 |
| 2023 | $3,536.00 (+3.03%) Homeowner's exemption | $334,597 (+7.83%) Land $132,096 Building $202,501 | $334,597 (+7.83%) Land $132,096 Building $202,501 |
| 2022 | $3,432.00 | $310,301 Land $120,087 Building $190,214 | $310,301 Land $120,087 Building $190,214 |
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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