520 Beach Dr, #B, Destin, FL 32541 Property Records

Okaloosa County property record for 520 Beach Dr, #B, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,131 sqft · built 1972
Lot Size	0.78 acres (33,976 sqft)
Owner	2 Company Names on Record
Tax Bill	$5,251 (2025)
Deeds & Mortgages	May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-001-045-5448-0`

Property Details

APN / Parcel Number

Primary APN	`C56-001-045-5448-0`
Alternative APNs	`00-2S-22-1364-0000-0010` `22S200136400000010`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,131 sqft Living Area
Gross Area	2,999 sqft
1st Floor Area	1,131 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2000
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	33,976 sqft (0.78 acres)
Lot Dimensions	390 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	812 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	558 sqft
Patio Area	432 sqft
Boat Access	Boat Access
Boat House	Boat House

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	520 BEACH DR, B
City	DESTIN
State	FL
Zip	32541-1714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GATLIN S/D LOT 1
Legal Subdivision	GATLIN S/D
Legal Block	70
Legal Lot Number	1
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1014
Census Tract	23306

Owner

Source: Okaloosa County records, 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	2 Company Names on Record
Mailing Address	PO BOX 5596, DESTIN, FL 32540-5596
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 23, 2008
Transfer Doc	0028433427
Record Updated	Jun 8, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 8, 2018
Property Address	520 BEACH DR # B, B, DESTIN, FL 32541-1714
Document Number	0033491190
Book / Page	003349 / 001190
Instrument Date	May 4, 2018
Instrument	3205562
Transaction Type	Transfer
Record Updated	May 15, 2018
Title Company	MEAD LAW AND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,513.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	201 BOB SIKES BLVD FORT WALTON BEACH FL 325472024, FORT WALTON BEACH, FL 32547-2024

Mortgage

Document Number	33491192
Date	May 8, 2018
Book Page	003349/001192
Instrument	3205563

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEAWAUKEE, WI 53072

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2048

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	$5,251.00 (+43.59%) Homeowner's exemption Widower's exemption	$487,426 (+39.4%)	$1,051,561 (+8.32%) Land $836,142 Building $215,419
2023	$3,657.00 (+0.99%) Homeowner's exemption Widower's exemption	$349,661 (+3%)	$970,766 (+13.79%) Land $803,982 Building $166,784
2022	$3,621.00 Homeowner's exemption Widower's exemption	$339,477	$853,093 Land $696,088 Building $157,005

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
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

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 99.8% of the US · lower than 99.7% 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.

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 271 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20