Okaloosa County property record for 511 Main St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,503 sqft · built 2018 |
| Lot Size | 0.688 acres (30,007 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $83,714 (May 2012) |
| Tax Bill | $7,037 (2025) |
| Deeds & Mortgages | Nov 2025 Transfer Nov 2017 Construction Loan + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9196-9 |
| Primary APN | C56-000-589-9196-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,503 sqft Heated Area |
| Gross Area | 5,403 sqft |
| 1st Floor Area | 3,323 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Masonite/Cement Shake |
| Lot Area | 30,007 sqft (0.688 acres) |
| Lot Width | 100 ft Width |
| Garage Type | Finished |
| Garage Area | 963 sqft |
| Porch | Open Porch |
| Porch Area | 353 sqft |
| Patio Area | 584 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 511 MAIN ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1920 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1ST JOES BAYOU DESTIN LOT 58 LESS COM NE COR LOT 58 S87 DEG W ALG N LINE 103.51FT S52 DEG W 29.65FT S88 DEG W 61FT N66 DEG W |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | JOES BAYOU 1ST ADDN |
| Legal Lot Number | 58 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 23306 |
Source: Okaloosa County records, as of December 16, 2025
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 |
|---|---|
| Co-owner | 2 Co-owners on Record |
| Mailing Address | 511 MAIN ST, DESTIN, FL 32541-1920 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 25, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Nov 1, 2017 | Deed of Trust, Mortgage · Construction Mortgage FIRST FLORIDA BANK |
| Jan 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU |
| Nov 7, 2018 | Loan Modification, Mortgage · VA Mortgage FIRST FL BK |
| Feb 21, 2018 | Deed of Trust, Mortgage · Conventional with PMI SYNOVUS BK |
| Deed Names | 4 Names on Deed |
|---|---|
| Last Sale | May 2, 2012 · Amount on Record |
| Deed Sale | May 2, 2012 · Amount on Record |
| Prior Sale | May 2, 2012 · Amount on Record |
| Deed Document Number | 0030332790 |
| Last Transfer Date | Nov 25, 2025 |
| Transfer Doc | 0003785979 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Nov 25, 2025 |
| Property Address | 511 MAIN ST, DESTIN, FL 32541-1920 |
| Document Number | 0003785979 |
| Map Reference | MB 1 PG 191 |
| Instrument Date | Nov 17, 2025 |
| Instrument | 3785979 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 511 MAIN ST, DESTIN, FL 32541-1920 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 511 MAIN ST, DESTIN, FL 32541-1920 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033241804 |
|---|---|
| Date | Nov 1, 2017 |
| Book Page | 3324/1804 |
| Instrument | 3170011 |
| Name | FIRST FLORIDA BANK |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32540 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 511 MAIN ST, DESTIN, FL 32541-1920 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034362984 |
|---|---|
| Date | Jan 2, 2020 |
| Book Page | 3436/2984 |
| Instrument | 3327843 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2035 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 511 MAIN ST, DESTIN, FL 32541-1920 |
| Document Number | 0033752381 |
| Instrument Date | Nov 7, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 511 MAIN ST DESTIN FL 32541, DESTIN, FL 32541 |
| Document Number | 0033752381 |
|---|---|
| Date | Nov 20, 2018 |
| Book Page | 003375/002381 |
| Instrument | 3244177 |
| Name | FIRST FL BK |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32540 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 19, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 511 MAIN ST, DESTIN, FL 32541-1920 |
| Document Number | 0033421557 |
| Instrument Date | Feb 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 741 BAYOU DR DESTIN FL 325411802, DESTIN, FL 32541-1802 |
| Document Number | 0033421557 |
|---|---|
| Date | Mar 22, 2018 |
| Book Page | 003342/001557 |
| Instrument | 3195816 |
| Name | SYNOVUS BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, GA 31901 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 21, 2038 |
Source: Okaloosa County assessment roll, as of July 1, 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 | $7,037.00 (+5.39%) Homeowner's exemption | $633,270 (+5.99%) | $996,884 (+4.57%) Land $142,500 Building $854,384 |
| 2023 | $6,677.00 (+2.3%) Homeowner's exemption | $597,498 (+3%) | $953,362 (+18.78%) Land $129,298 Building $824,064 |
| 2022 | $6,527.00 Homeowner's exemption | $580,095 | $802,646 Land $117,543 Building $685,103 |
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 | 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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