Okaloosa County property record for 515 First Ave, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,877 sqft · built 1996 |
| Lot Size | 0.273 acres (11,898 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $470,000 (Jun 2026) |
| Tax Bill | $5,317 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage May 2026 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9615-8 |
| Primary APN | C56-000-589-9615-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,877 sqft Living Area |
| Gross Area | 2,533 sqft |
| 1st Floor Area | 1,877 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 11,898 sqft (0.273 acres) |
| Lot Width | 70 ft Width |
| Garage Type | Carport |
| Garage Area | 440 sqft |
| Carport | Carport |
| Carport Area | 440 sqft |
| Porch | Florida Room |
| Porch Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 515 FIRST AVE |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1745 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELLYS 3RD ADD LOT 4 BLK 11 |
| Legal Subdivision | KELLYS 3RD ADD |
| Legal Block | 11 |
| Legal Lot Number | 4 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 23306 |
Source: Okaloosa County records · APN C56-000-589-9615-8
Assessment roll updated December 31, 2025 · Last verified June 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 | 317 BENNING DR, DESTIN, FL 32541-2411 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 08, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 22, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Jun 04, 2021 | Warranty Deed, Transfer OLD SOUTH LAND TITLE |
| Jul 28, 2020 | Quit Claim Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 08, 2026 · Amount on Record |
| Deed Sale | Jun 08, 2026 · Amount on Record |
| Prior Sale | Jun 04, 2021 · Amount on Record |
| Deed Document Number | 20263820990 |
| Prior Transfer Date | Jun 24, 2020 |
| Prior Transfer Doc | 0034783070 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 08, 2026 |
| Property Address | 515 FIRST AVE, DESTIN, FL 32541-1745 |
| Document Number | 0003820990 |
| Instrument Date | May 06, 2026 |
| Instrument | 20263820990 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2026 |
| Title Company | ROCKET CLOSE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $332,290.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 317 BENNING DR, DESTIN, FL 32541-2411 |
| Document Number | 0003820991, |
|---|---|
| Date | Jun 08, 2026 |
| Instrument | 20263820991 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 22, 2026 |
| Property Address | 515 FIRST AVE, DESTIN, FL 32541-1745 |
| Document Number | 0003818413 |
| Instrument Date | Oct 21, 2024 |
| Instrument | 20263818413 |
| Transaction Type | Transfer |
| Record Updated | Jun 08, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 515 FIRST AVE, DESTIN, FL 32541-1745 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 04, 2021 |
| Property Address | 515 FIRST AVE, DESTIN, FL 32541-1745 |
| Document Number | 0035513734 |
| Book / Page | 3551 / 3734 |
| Map Reference | MB 2 PG 164 |
| Instrument Date | May 18, 2021 |
| Instrument | 3461333 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2021 |
| Title Company | OLD SOUTH LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2814 SHONI DR, 2814, NAVARRE, FL 32566-8017 |
| Name | Verified Name |
|---|---|
| Address | 515 FIRST AVE, DESTIN, FL 32541-1745 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 28, 2020 |
| Property Address | 515 FIRST AVE, DESTIN, FL 32541-1745 |
| Document Number | 0034783070 |
| Book / Page | 3478 / 3070 |
| Map Reference | MB 2 PG 164 |
| Instrument Date | Jun 24, 2020 |
| Instrument | 3376758 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $699.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 515 FIRST AVE, DESTIN, FL 32541-1745 |
| Document Number | 0034783074 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | 3478/3074 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2050 |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified June 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 | $5,317.00 (+1.06%) | $448,952 (-0.79%) Land $145,583 Building $303,369 | $448,952 (-0.79%) Land $145,583 Building $303,369 |
| 2023 | $5,261.00 (+11.63%) | $452,517 (+15.7%) Land $132,096 Building $320,421 | $452,517 (+15.7%) Land $132,096 Building $320,421 |
| 2022 | $4,713.00 | $391,108 Land $120,087 Building $271,021 | $391,108 Land $120,087 Building $271,021 |
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 |
|---|---|
| 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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