Okaloosa County property record for 518 First Ave, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,553 sqft · built 1957 |
| Lot Size | 0.123 acres (5,371 sqft) |
| Owner | Individual Name on File |
| Last Sale | $100,000 (Sep 2011) |
| Tax Bill | $832 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Apr 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9568-9 |
| Primary APN | C56-000-589-9568-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,553 sqft Living Area |
| Gross Area | 2,123 sqft |
| 1st Floor Area | 1,553 sqft |
| Flooring | Carpet |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 5,371 sqft (0.123 acres) |
| Lot Width | 75 ft Width |
| Porch | Florida Room |
| Porch Area | 602 sqft |
| Patio Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 518 FIRST AVE |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1702 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RESUB OF KELLYS ADD TO DESTIN W1/2 OF LOT 1 BLK 9 |
| Legal Subdivision | RESUB OF KELLYS ADD |
| Legal Block | 9 |
| Legal Lot Number | 1 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 23306 |
518 First Ave is owned and occupied by an individual who bought it in September 2011.
Source: Okaloosa County records, as of December 31, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 518 FIRST AVE, DESTIN, FL 32541-1702 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 14, 2023 | Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU |
| Apr 17, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2011 · Amount on File |
| Deed Sale | Sep 30, 2011 · Amount on File |
| Prior Sale | Jul 27, 2010 · Amount on File |
| Deed Document Number | 20112731967 |
| Deed Book / Page | 3003 / 2377 |
| Prior Transfer Date | Jul 30, 2010 |
| Prior Transfer Doc | 0029454793 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 518 FIRST AVE, DESTIN, FL 32541-1702 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 518 FIRST AVE, DESTIN, FL 32541-1702 |
| Document Number | 0036873244 |
|---|---|
| Date | Aug 14, 2023 |
| Book Page | 3687/3244 |
| Instrument | 3641278 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Sep 1, 2033 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Apr 17, 2017 |
| Property Address | 518 FIRST AVE, DESTIN, FL 32541-1702 |
| Document Number | 0032953092 |
| Book / Page | 003295 / 003092 |
| Instrument Date | Mar 10, 2017 |
| Instrument | 3129300 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 518 FIFTH ST DESTIN FL 325411727, DESTIN, FL 32541-1727 |
The 2025 property tax bill for 518 First Ave was $832 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of December 31, 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 | $832.00 Homeowner's exemption | $109,320 | $241,011 Land $101,908 Building $139,103 |
| 2023 | $771.00 (+3.77%) Homeowner's exemption | $103,145 (+3%) | $224,683 (+9.94%) Land $85,862 Building $138,821 |
| 2022 | $743.00 Homeowner's exemption | $100,141 | $204,361 Land $78,056 Building $126,305 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 518 First Ave in Zone X, an area of minimal flood risk, though there have been 73 flood claims nearby since 1994.
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 File 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.
Wildfire risk around 518 First Ave 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 | None beyond ember reach |
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 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 Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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