Okaloosa County property record for 520 Benning Dr, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,272 sqft · built 1970 |
| Lot Size | 0.918 acres (39,999 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,801 (2025) |
| Deeds & Mortgages | Feb 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-4801-9 |
| Primary APN | C56-000-589-4801-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,272 sqft Living Area |
| Gross Area | 2,839 sqft |
| 1st Floor Area | 1,372 sqft |
| Upper Floors Area | 900 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Wood Siding |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 39,999 sqft (0.918 acres) |
| Lot Width | 200 ft Width |
| Garage Type | Carport |
| Garage Area | 444 sqft |
| Carport | Carport |
| Carport Area | 444 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 35 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 520 BENNING DR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1718 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CALHOUN S/D DESTIN N 175 FT OF BLK H3 & S 25 FT OF MIMOSA AVE N OF SAME |
| Legal Subdivision | CALHOUN S/D |
| Legal Block | H |
| Legal Lot Number | H03A |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 23306 |
520 Benning Dr is owned and occupied by two individuals.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 520 BENNING DR, DESTIN, FL 32541-1718 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 520 BENNING DR, DESTIN, FL 32541-1718 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033382690 |
|---|---|
| Date | Feb 23, 2018 |
| Book Page | 3338/2690 |
| Instrument | 3190242 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | DESTIN, FL 32541 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 22, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 520 Benning Dr was $1,801 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 | $1,801.00 Homeowner's exemption | $191,190 | $420,458 Land $218,375 Building $202,083 |
| 2023 | $1,694.00 (+2.85%) Homeowner's exemption | $180,390 (+3%) | $399,918 (+8.1%) Land $198,144 Building $201,774 |
| 2022 | $1,647.00 Homeowner's exemption | $175,136 | $369,955 Land $180,131 Building $189,824 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 520 Benning Dr 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 520 Benning Dr 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 98% of the US · lower than 97.6% 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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