Okaloosa County property record for 437 Main St, Destin, FL 32541
| Property Type | Grocery, Supermarket |
|---|---|
| Details | 3,152 sqft · built 1969 |
| Lot Size | 0.539 acres (23,469 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,400,000 (Aug 2022) |
| Tax Bill | $5,105 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Nov 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-001-032-6132-7 |
| Primary APN | C56-001-032-6132-7 |
|---|---|
| Alternative APNs |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,152 sqft Gross Area |
| 1st Floor Area | 2,400 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Gambrel |
| Roof Material | Built-Up Asphalt |
| Lot Area | 23,469 sqft (0.539 acres) |
| Lot Dimensions | 140 ft deep x 165 ft wide |
| Canopy | 480 sqft |
| Utility Building | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 437 MAIN ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1918 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Grocery, Supermarket |
| Legal Description | KELLY HOMES LOTS 18 AND 19 BLK I |
| Legal Subdivision | KELLY HOMES |
| Legal Block | I |
| Legal Lot Number | 190 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 23307 |
Source: Okaloosa County records, as of September 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 913 BEAL PKWY N, A, FORT WALTON BEACH, FL 32547-1402 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Sep 8, 2026 | Deed of Trust, Mortgage · Line of Credit RENASANT BANK |
| Nov 23, 2022 | Deed, Transfer · Commercial Mortgage THE FIRST A NATIONAL BANKING ASSN |
| Aug 9, 2022 | Warranty Deed, Transfer · Commercial Mortgage TROY BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 9, 2022 · Amount on Record |
| Deed Sale | Aug 9, 2022 · Amount on Record |
| Deed Document Number | 20223570429 |
| Deed Book / Page | 3636 / 4825 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 8, 2026 |
| Property Address | 437 MAIN ST, DESTIN, FL 32541-1918 |
| Document Number | 0003837510 |
| Instrument Date | Sep 4, 2026 |
| Instrument | 20263837510 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Document Number | 0003837510, |
|---|---|
| Date | Sep 8, 2026 |
| Instrument | 20263837510 |
| Name | RENASANT BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 4, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Nov 23, 2022 |
| Property Address | 437 MAIN ST, DESTIN, FL 32541-1918 |
| Document Number | 0036522646 |
| Book / Page | 3652 / 2646 |
| Map Reference | MB 3 PG 32 |
| Instrument Date | Nov 21, 2022 |
| Instrument | 3592695 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1283 N EGLIN PKWYA, SHALIMAR, FL 32579 |
| Name | Verified Name |
|---|---|
| Address | 4743 PAPAYA PARK, DESTIN, FL 32541-4783 |
| Document Number | 0036522649 |
|---|---|
| Date | Nov 23, 2022 |
| Instrument | 3652/2649 |
| Name | THE FIRST A NATIONAL BANKING ASSN |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 37 Months |
| Due | Dec 5, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 9, 2022 |
| Property Address | 437 MAIN ST, DESTIN, FL 32541-1918 |
| Document Number | 0036364825 |
| Book / Page | 3636 / 4825 |
| Map Reference | MB 3 PG 32 |
| Instrument Date | Aug 5, 2022 |
| Instrument | 3570429 |
| Transaction Type | Transfer |
| Record Updated | Feb 24, 2023 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 36002 AL HIGHWAY 21, TALLADEGA, AL 35160-6833 |
| Name | Verified Name |
|---|---|
| Address | 722 BEAL PKWY NW STE A, A, FORT WALTON BEACH, FL 32547-3049 |
| Document Number | 0036364828 |
|---|---|
| Date | Aug 9, 2022 |
| Book Page | 3636/4828 |
| Instrument | 3570430 |
| Name | TROY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | DOTHAN, AL 36305 |
| Type | Commercial Mortgage |
|---|---|
| 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 | $5,105.00 (+5.5%) | $431,070 (+6.41%) Land $312,401 Building $118,669 | $431,070 (+6.41%) Land $312,401 Building $118,669 |
| 2023 | $4,839.00 (+5.75%) | $405,099 (+3.89%) Land $294,495 Building $110,604 | $405,099 (+3.89%) Land $294,495 Building $110,604 |
| 2022 | $4,576.00 | $389,917 Land $280,471 Building $109,446 | $389,917 Land $280,471 Building $109,446 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record 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 |
|
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 | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 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 |
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