Okaloosa County property record for 514 Third Ave, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,176 sqft · built 1978 |
| Lot Size | 0.24 acres (10,462 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $415,000 (Feb 2025) |
| Tax Bill | $2,792 (2025) |
| Deeds & Mortgages | Feb 2025 Mortgage Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9664-6 |
| Primary APN | C56-000-589-9664-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| Gross Area | 2,022 sqft |
| 1st Floor Area | 1,176 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 10,462 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Porch | Slab |
| Porch Area | 366 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 514 THIRD AVE |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1744 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELLYS 3RD ADD LOT 16 BLK 14 |
| Legal Subdivision | KELLYS 3RD ADD |
| Legal Block | 14 |
| Legal Lot Number | 16 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 23306 |
Source: Okaloosa County records · APN C56-000-589-9664-6
Assessment roll updated December 31, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 312 TEQUESTA DR, DESTIN, FL 32541-5718 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 10, 2025 | Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC |
| Jan 16, 2020 | Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 10, 2025 · Amount on Record |
| Deed Sale | Feb 10, 2025 · Amount on Record |
| Prior Sale | Jan 16, 2020 · Amount on Record |
| Deed Document Number | 20253736517 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 514 THIRD AVE, DESTIN, FL 32541-1744 |
| Transaction Type | Mortgage |
| Record Updated | Dec 09, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4702 LANTANA LN, DESTIN, FL 32541-4789 |
| Document Number | 0003736519 |
|---|---|
| Date | Feb 10, 2025 |
| Instrument | 3736519 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92121 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 16, 2020 |
| Property Address | 514 THIRD AVE, DESTIN, FL 32541-1744 |
| Document Number | 0034390891 |
| Book / Page | 3439 / 0891 |
| Map Reference | MB 2 PG 164 |
| Instrument Date | Jan 15, 2020 |
| Instrument | 3331069 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,309.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4505 LAKE VILLA DR, 4505, METAIRIE, LA 70002-1319 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 142211 E FORTUNA PALMS PLACE, YUMA, AZ 85367 |
| Document Number | 0034390893 |
|---|---|
| Date | Jan 16, 2020 |
| Instrument | 3439/0893 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2050 |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,792.00 (+6.04%) | $279,785 (+5.99%) | $331,925 (+2.64%) Land $145,583 Building $186,342 |
| 2023 | $2,633.00 (+0.53%) Homeowner's exemption Widower's exemption | $263,981 (+3%) | $323,403 (+5.2%) Land $132,096 Building $191,307 |
| 2022 | $2,619.00 Homeowner's exemption Widower's exemption | $256,292 | $307,405 Land $120,087 Building $187,318 |
Source: FEMA National Flood Hazard Layer as of March 8, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
Based on FCC filings for 337 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | DESTIN WATER USERS, INC. private · serves 31,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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