514 Second Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 514 Second Ave, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,695 sqft · built 2006
Lot Size	0.261 acres (11,359 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Oct 2013)
Tax Bill	$1,832 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-001-050-0871-8`

Property Details

APN / Parcel Number

Primary APN	`C56-001-050-0871-8`
Alternative APNs	`00-2S-22-1361-0011-0110` `22S200136100110110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,695 sqft Living Area
Gross Area	2,355 sqft
1st Floor Area	1,695 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,359 sqft (0.261 acres)
Lot Width	70 ft Width
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	180 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	514 SECOND AVE
City	DESTIN
State	FL
Zip	32541-1747
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELLYS 3RD ADD LOT 11 BLK 11
Legal Subdivision	KELLYS 3RD ADD
Legal Block	11
Legal Lot Number	11
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1015
Census Tract	23306

Owner

Source: Okaloosa County assessment roll, as of December 31, 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 File
Mailing Address	514 SECOND AVE, DESTIN, FL 32541-1747
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 30, 2013 · Amount on Record
Deed Sale	Oct 30, 2013 · Amount on Record
Prior Sale	Apr 9, 2013 · Amount on Record
Deed Document Number	20132892222
Deed Book / Page	3123 / 3468
Last Transfer Date	Apr 9, 2021
Transfer Doc	0035401452
Record Updated	Jun 8, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Apr 19, 2021
Property Address	514 SECOND AVE, DESTIN, FL 32541-1747
Document Number	0035401452
Book / Page	3540 / 1452
Map Reference	MB 2 PG 164
Instrument Date	Apr 9, 2021
Instrument	3447502
Transaction Type	Transfer
Record Updated	May 19, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 SECOND AVE, DESTIN, FL 32541-1747

Mortgage

Document Number	35401454
Date	Apr 19, 2021
Instrument	3540/1454

Lender

Name	EGLIN FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Destin City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,832.00 (+6.26%) Homeowner's exemption	$193,811 (+5.99%)	$406,756 (+2.86%) Land $145,583 Building $261,173
2023	$1,724.00 (+2.86%) Homeowner's exemption	$182,863 (+3%)	$395,428 (+7.66%) Land $132,096 Building $263,332
2022	$1,676.00 Homeowner's exemption	$177,537	$367,279 Land $120,087 Building $247,192

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 Zone	Zone X minimal risk
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	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 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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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 USA Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20