Okaloosa County property record for 521 Second Ave, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,254 sqft · built 1983 |
| Lot Size | 0.24 acres (10,451 sqft) |
| Owner | Company Name on File |
| Last Sale | $400,000 (Feb 2022) |
| Tax Bill | $3,662 (2025) |
| Deeds & Mortgages | Feb 2022 Sale Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9654-7 |
| Primary APN | C56-000-589-9654-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,254 sqft Living Area |
| Gross Area | 1,470 sqft |
| 1st Floor Area | 1,254 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,451 sqft (0.24 acres) |
| Lot Width | 60 ft Width |
| Porch | Finished/Open Porch |
| Porch Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 521 SECOND AVE |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1746 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELLYS 3RD ADD DESTIN LOT 6 BLK 14 EX PART SOLD |
| Legal Subdivision | KELLYS 3RD ADD |
| Legal Block | 14 |
| Legal Lot Number | 6 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 23306 |
Source: Okaloosa County records · APN C56-000-589-9654-7
Assessment roll updated December 31, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 121 MCNEIL ST, TROY, AL 36079-3017 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Feb 15, 2022 | Warranty Deed, Transfer BURKE LAW AND TITLE LLC |
| Dec 14, 2020 | Deed of Trust, Mortgage · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Apr 30, 2019 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 15, 2022 · Amount on Record |
| Deed Sale | Feb 15, 2022 · Amount on Record |
| Prior Sale | Apr 30, 2019 · Amount on Record |
| Deed Document Number | 20223526994 |
| Deed Book / Page | 3604 / 2677 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 15, 2022 |
| Property Address | 521 SECOND AVE, DESTIN, FL 32541-1746 |
| Document Number | 0036042677 |
| Book / Page | 3604 / 2677 |
| Map Reference | MB 2 PG 164 |
| Instrument Date | Feb 11, 2022 |
| Instrument | 3526994 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2022 |
| Title Company | BURKE LAW AND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9293 WHIPPOORWILL TRL, 9293, JUPITER, FL 33478-6373 |
| Name | Verified Name |
|---|---|
| Address | 121 MCNEFL ST, TROY, AL 36079-3017 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 521 SECOND AVE, DESTIN, FL 32541-1746 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 521 SECOND AVE, DESTIN, FL 32541-1746 |
| Document Number | 0035120607 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 3512/607 |
| Instrument | 3414840 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Apr 30, 2019 |
| Property Address | 521 SECOND AVE, DESTIN, FL 32541-1746 |
| Document Number | 0033954518 |
| Book / Page | 003395 / 004518 |
| Instrument Date | Apr 26, 2019 |
| Instrument | 3274529 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,050.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 521 SECOND ST DESTIN FL 32541, DESTIN, FL 32541 |
| Document Number | 33954520 |
|---|---|
| Date | Apr 30, 2019 |
| Book Page | 003395/004520 |
| Instrument | 3274530 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 29, 2049 |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,662.00 (+3.83%) | $309,219 (+4.73%) Land $145,583 Building $163,636 | $309,219 (+4.73%) Land $145,583 Building $163,636 |
| 2023 | $3,527.00 (+88.71%) | $295,264 (+52.53%) Land $132,096 Building $163,168 | $295,264 (+7.31%) Land $132,096 Building $163,168 |
| 2022 | $1,869.00 Homeowner's exemption | $193,577 | $275,153 Land $120,087 Building $155,066 |
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
| 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 |
|
| 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.
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.
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 |
| 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.
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