Okaloosa County property record for 511 Beach Dr, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,176 sqft · built 1961 |
| Lot Size | 0.257 acres (11,194 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,181 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage May 2021 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9579-6 |
| Primary APN | C56-000-589-9579-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| Gross Area | 1,848 sqft |
| 1st Floor Area | 1,176 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 11,194 sqft (0.257 acres) |
| Lot Width | 75 ft Width |
| Porch | Finished/Open Porch |
| Porch Area | 672 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 511 BEACH DR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RESUB OF KELLYS ADD TO DESTIN LOT 13 BLK 9 |
| Legal Subdivision | RESUB OF KELLYS ADD |
| Legal Block | 9 |
| Legal Lot Number | 13 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1020 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 511 BEACH DR, DESTIN, FL 32541-1713 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| May 6, 2021 | Intrafamily Transfer, Transfer |
| Jun 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF ENGLAND |
| Feb 22, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 19, 2021 |
| Transfer Doc | 0035444793 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 511 BEACH DR, DESTIN, FL 32541-1713 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 511 BEACH DR, DESTIN, FL 32541-1713 |
| Document Number | 0035801636 |
|---|---|
| Date | Oct 13, 2021 |
| Book Page | 3580/1636 |
| Instrument | 3496616 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2041 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 6, 2021 |
| Property Address | 511 BEACH DR, DESTIN, FL 32541-1713 |
| Document Number | 0035444793 |
| Book / Page | 3544 / 4793 |
| Map Reference | MB 2 PG 62 |
| Instrument Date | Apr 19, 2021 |
| Instrument | 3453066 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 511 BEACH DR, DESTIN, FL 32541-1713 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 511 BEACH DR, DESTIN, FL 32541-1713 |
| Document Number | 0034081537 |
| Instrument Date | Jun 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 511 BEACH DR DESTIN FL 325411713, DESTIN, FL 32541-1713 |
| Document Number | 0034081537 |
|---|---|
| Date | Jul 11, 2019 |
| Book Page | 003408/001537 |
| Instrument | 3290371 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 10, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 22, 2019 |
| Property Address | 511 BEACH DR, DESTIN, FL 32541-1713 |
| Document Number | 0033861071 |
| Book / Page | 003386 / 001071 |
| Instrument Date | Feb 12, 2019 |
| Instrument | 3260446 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 511 BEACH DR DESTIN FL 325411713, DESTIN, FL 32541-1713 |
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 | $1,181.00 (+7.07%) Homeowner's exemption | $138,768 (+5.99%) | $311,277 (+4.93%) Land $145,583 Building $165,694 |
| 2023 | $1,103.00 (+3.28%) Homeowner's exemption | $130,929 (+3%) | $296,648 (+8.06%) Land $132,096 Building $164,552 |
| 2022 | $1,068.00 Homeowner's exemption | $127,116 | $274,533 Land $120,087 Building $154,446 |
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 |
|---|---|
| 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 96 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 96 in force |
| Nearby Flood Claims | 73 (1994–2020) |
| Claims Outside the SFHA | 47 of 73 |
| 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 | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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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