518 Third Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 518 Third Ave, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,630 sqft · built 2006
Lot Size	0.24 acres (10,479 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Jan 2021)
Tax Bill	$4,606 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-598-5132-9`

Property Details

APN / Parcel Number

Primary APN	`C56-000-598-5132-9`
Alternative APN	`00-2S-22-1361-0014-018A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,630 sqft Heated Area
Gross Area	1,770 sqft
1st Floor Area	2,359 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,479 sqft (0.24 acres)
Lot Width	60 ft Width
Porch	Open Porch
Porch Area	280 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	518 THIRD AVE
City	DESTIN
State	FL
Zip	32541-1744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELLYS 3RD ADD LOT 18 BLK 14
Legal Range	22
Legal Township	02S
Legal Subdivision	KELLYS 3RD ADDN TO DESTIN
Legal Block	14
Legal Lot Number	18
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1010
Census Tract	23306

Owner

Source: Okaloosa County records · APN C56-000-598-5132-9

Assessment roll updated July 1, 2025 · Last verified December 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
Co-owner	Verified Secondary Owner
Mailing Address	518 THIRD AVE, DESTIN, FL 32541-1744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 05, 2021 · Amount on Record
Deed Sale	Jan 05, 2021 · Amount on Record
Prior Sale	Jan 29, 2013 · Amount on Record
Deed Document Number	3419463
Deed Book / Page	3516 / 1775
Record Updated	Jun 08, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 05, 2021
Property Address	518 THIRD AVE, DESTIN, FL 32541-1744
Document Number	0035161775
Book / Page	3516 / 1775
Map Reference	MB 2 PG 164
Instrument Date	Dec 30, 2020
Instrument	3419463
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	173 BYRD DR, 173, PANAMA CITY, FL 32404-5976

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 THIRD AVE, DESTIN, FL 32541-1744

Mortgage

Document Number	0035161776
Date	Jan 05, 2021
Instrument	3516/1776

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2051

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$4,606.00 (+3.34%) Homeowner's exemption	$427,964 (+3.96%)	$468,540 (+2.34%) Land $145,583 Building $322,957
2023	$4,457.00 (+5.12%) Homeowner's exemption	$411,663 (+5.47%)	$457,825 (+7.53%) Land $132,096 Building $325,729
2022	$4,240.00 Homeowner's exemption	$390,308	$425,761 Land $120,087 Building $305,674

Flood & Wildfire

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

Flood

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	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 16 claims Hurricane Frances, Sep 2004 · 20 claims Hurricane Opal, Oct 1995 · 21 claims

Wildfire

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.

Internet Providers

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.

Drinking Water

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

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 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.