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504 First Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 504 First Ave, Destin, FL 32541

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,835 sqft · built 2002
Lot Size0.248 acres (10,798 sqft)
Owner2 Individual Names on Record
Last Sale$522,500 (Jan 2023)
Tax Bill$4,988 (2025)
Deeds & MortgagesDec 2025 Transfer
Jan 2023 Sale
+ 4 more
Flood ZoneZone X (minimal risk)
APNC56-000-589-9573-9

Property Details

APN / Parcel Number

Primary APNC56-000-589-9573-9
Alternative APNs
  • 00-2S-22-1360-0090-0070
  • 22S200136000900070

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,835 sqft Living Area
Gross Area2,612 sqft
1st Floor Area1,835 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Exterior MaterialBrick
Roof TypeCathedral/Clerestory
Roof MaterialWood
Lot Area10,798 sqft (0.248 acres)
Lot Width75 ft Width
Garage TypeAttached
Garage Area552 sqft
DrivewayDriveway
PorchFinished/Open Porch
Porch Area225 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address504 FIRST AVE
CityDESTIN
StateFL
Zip32541-1702
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRESUB OF KELLYS ADD TO DESTIN LOT 7 BLK 9
Legal SubdivisionRESUB OF KELLYS ADD
Legal Block9
Legal Lot Number7
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group1
Census Block1020
Census Tract23306

Owner

Source: Okaloosa County records, as of January 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address504 FIRST AVE, DESTIN, FL 32541-1702
OccupancyOwner Occupied
Owner TypeIndividual
VestingHis Wife

Deeds, Mortgages & Sale History

DateDocument
Dec 23, 2025Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Jan 17, 2023Warranty Deed, Transfer
EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC
Jan 8, 2020Deed of Trust, Mortgage · VA Mortgage
UNITED WHOLESALE MORTGAGE
Jan 18, 2022
ATTORNEY ONLY, ATTORNEY
Oct 21, 2020Warranty Deed, Transfer
VINTAGE TITLE AND ESCROW INC, VINTAGE TITLE & ESCROW INC
Dec 20, 2018Warranty Deed, Transfer · VA Mortgage
FIRST CHOICE LN SVCS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 17, 2023 · Amount on Record
Deed SaleJan 17, 2023 · Amount on Record
Prior SaleOct 21, 2020 · Amount on Record
Deed Document Number20233601159
Deed Book / Page3658 / 2580
Prior Transfer DateJan 18, 2022
Prior Transfer Doc0035991268
Record UpdatedJun 8, 2026

December 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOKALOOSA FL
Recording DateDec 23, 2025
Property Address504 FIRST AVE, DESTIN, FL 32541-1702
Document Number0003790188
Map ReferenceMB 2 PG 62
Instrument DateDec 9, 2025
Instrument3790188
Transaction TypeTransfer
Record UpdatedJan 14, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address504 FIRST AVE, DESTIN, FL 32541-1702

Transferred To (Grantee/Buyer)

NameVerified Name
Address504 FIRST AVE, DESTIN, FL 32541-1702

January 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateJan 17, 2023
Property Address504 FIRST AVE, DESTIN, FL 32541-1702
Document Number0036582580
Book / Page3658 / 2580
Map ReferenceMB 2 PG 62
Instrument DateJan 13, 2023
Instrument3601159
Transaction TypeTransfer
Record UpdatedFeb 6, 2023
Title CompanyEMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Transaction

AmountAmount Recorded
Tax$3,657.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address504 FIRST AVE, DESTIN, FL 32541-1702

Transferred To (Grantee/Buyer)

NameVerified Name
Address302 SEAGULF LANE, DESTIN, FL 32541-1925

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address504 FIRST AVE, DESTIN, FL 32541-1702
Transaction TypeMortgage
Record UpdatedMar 17, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0034372070
DateJan 8, 2020
Book Page3437/2070
Instrument3328776
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2050

January 2022:

JurisdictionOKALOOSA FL
Recording DateJan 18, 2022
Property Address504 FIRST AVE, DESTIN, FL 32541-1702
Document Number0035991268
Book / Page3599 / 1268
Map ReferenceMB 2 PG 62
Instrument DateJan 18, 2022
Instrument3520421
Record UpdatedMar 17, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address504 FIRST AVE, DESTIN, FL 32541-1702

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateOct 21, 2020
Property Address504 FIRST AVE, DESTIN, FL 32541-1702
Document Number0035000623
Book / Page003500 / 000623
Instrument DateOct 16, 2020
Instrument3400762
Transaction TypeTransfer
Record UpdatedNov 9, 2020
Title CompanyVINTAGE TITLE AND ESCROW INC, VINTAGE TITLE & ESCROW INC

Transaction

AmountAmount Recorded
Tax$2,870.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address10240 GLEN ARBOR AVE BATON ROUGE LA 708093878, BATON ROUGE, LA 70809-3878

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateDec 20, 2018
Property Address504 FIRST AVE, DESTIN, FL 32541-1702
Document Number0033790673
Book / Page003379 / 000673
Instrument DateDec 20, 2018
Instrument3249730
Transaction TypeTransfer
Record UpdatedJan 14, 2019
Title CompanyNATIONWIDE TITLE CLEARING INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,904.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4211 COMMONS DR W #1302 DESTIN FL 325418622, 1302, DESTIN, FL 32541-8622

Mortgage

Document Number33790675
DateDec 20, 2018
Book Page003379/000675
Instrument3249731
Lender
NameFIRST CHOICE LN SVCS
TypeFunding / Finance Company
AddressEAST BRUNSWICK, NJ 08816
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 19, 2048

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
MunicipalityDestin City
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,988.00 (-6.49%)$460,215 (+3.06%) Land $145,583 Building $314,632$460,215 (+3.06%) Land $145,583 Building $314,632
2023$5,334.00 (+16.95%)$446,565 (+8.82%) Land $132,096 Building $314,469$446,565 (+8.82%) Land $132,096 Building $314,469
2022$4,561.00$410,359 Land $120,087 Building $290,272$410,359 Land $120,087 Building $290,272

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 96 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies96 in force
Nearby Flood Claims73 (1994–2020)
Claims Outside the SFHA47 of 73
Most Recent ClaimSep 2020 · Hurricane Sally
Claims by Event
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 16 claims
  • Hurricane Frances, Sep 2004 · 20 claims
  • Hurricane Opal, Oct 1995 · 21 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemDESTIN WATER USERS, INC.
private · serves 31,752 people · EPA ID FL1460202
Water SourceGroundwater
Last State InspectionJan 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 337 locations within half a mile, as of December 31, 2025

ProviderMax 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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