Okaloosa County property record for 512 Main St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,277 sqft · built 1983 |
| Lot Size | 0.509 acres (22,205 sqft) |
| Owner | Owner Name on File |
| Last Sale | $260,000 (Jan 2003) |
| Tax Bill | $3,018 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-4200-2 |
| Primary APN | C56-000-590-4200-2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,277 sqft Heated Area |
| Gross Area | 3,564 sqft |
| 1st Floor Area | 2,277 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 22,205 sqft (0.509 acres) |
| Lot Width | 100 ft Width |
| Garage Type | Finished |
| Garage Area | 525 sqft |
| Porch | Enclosed Porch |
| Porch Area | 762 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 512 MAIN ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1921 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELL-AIR GARDENS LOT 4 BLK A |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | KELL AIRE GARDENS |
| Legal Block | A |
| Legal Lot Number | 4 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 23305 |
The current owner of 512 Main St bought it in January 2003.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 512 MAIN ST, DESTIN, FL 32541-1921 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 23, 2003 · Amount on File |
| Deed Sale | Jan 23, 2003 · Amount on File |
| Prior Sale | May 21, 2002 · Amount on File |
| Deed Document Number | 1984376 |
| Deed Book / Page | 2409 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 512 Main St was $3,018 with a homeowner's exemption.
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 | $3,018.00 Homeowner's exemption | $293,916 | $629,700 Land $254,458 Building $375,242 |
| 2023 | $2,852.00 (+2.55%) Homeowner's exemption | $277,314 (+3%) | $606,514 (+9.71%) Land $230,884 Building $375,630 |
| 2022 | $2,781.00 Homeowner's exemption | $269,237 | $552,841 Land $199,900 Building $352,941 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 512 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File median of 100 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 100 in force |
| Nearby Flood Claims | 29 (1995–2021) |
| Claims Outside the SFHA | 25 of 29 |
| Most Recent Claim | Apr 2021 · other causes |
| 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.
Wildfire risk around 512 Main St is low, with less than a 0.01% annual chance of wildfire.
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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