520 Main St, Destin, FL 32541 Property Records

Okaloosa County property record for 520 Main St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,257 sqft · built 1979
Lot Size	0.905 acres (39,405 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (May 2004)
Tax Bill	$3,733 (2025)
Deeds & Mortgages	Aug 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-4198-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-4198-8`
Alternative APNs	`00-2S-22-3090-000A-0020` `22S2003090000A0020`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,257 sqft Living Area
Gross Area	4,217 sqft
1st Floor Area	2,339 sqft
Upper Floors Area	918 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	39,405 sqft (0.905 acres)
Lot Width	100 ft Width
Garage Type	Detached
Garage Area	672 sqft
Porch	Finished/Open Porch
Porch Area	88 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	520 MAIN ST
City	DESTIN
State	FL
Zip	32541-1921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELL-AIR GARDENS LOT 2 BLK A
Legal Subdivision	AIR GARDENS
Legal Block	A
Legal Lot Number	2
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2005
Census Tract	23305

Owner

520 Main St is owned and occupied by two individuals who bought it in May 2004.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 893, DESTIN, FL 32540-0893
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2004 · Amount on File
Deed Sale	May 4, 2004 · Amount on File
Prior Sale	Mar 2, 2004 · Amount on File
Deed Document Number	20042118171
Deed Book / Page	2528 / 2230
Record Updated	Oct 29, 2026

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	520 MAIN ST, DESTIN, FL 32541-1921
Document Number	0034203500
Instrument Date	Aug 30, 2019
Transaction Type	Mortgage
Record Updated	Oct 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	520 MAIN ST DESTIN FL 325411921, DESTIN, FL 32541-1921

Mortgage

Document Number	0034203500
Date	Sep 24, 2019
Book Page	003420/003500
Instrument	3306998

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 23, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 520 Main St was $3,733 with a homeowner's exemption.

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	$3,733.00 Homeowner's exemption	$354,257	$764,546 Land $292,626 Building $471,920
2023	$3,518.00 (+2.48%) Homeowner's exemption	$333,077 (+3%)	$731,778 (+9.4%) Land $265,517 Building $466,261
2022	$3,433.00 Homeowner's exemption	$323,376	$668,925 Land $229,885 Building $439,040

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 520 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 100 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	100 in force
Nearby Flood Claims	29 (1995–2021)
Claims Outside the SFHA	25 of 29
Most Recent Claim	Apr 2021 · other causes
Claims by Event	Hurricane Dennis, Jul 2005 · 5 claims Hurricane Frances, Sep 2004 · 7 claims Hurricane Georges, Sep 1998 · 7 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

Wildfire risk around 520 Main St 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	Direct burnable vegetation

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