Okaloosa County property record for 522 Beach Dr, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,882 sqft · built 1997 |
| Lot Size | 0.46 acres (20,039 sqft) |
| Owner | Individual Name on File |
| Last Sale | $750,000 (Feb 2012) |
| Tax Bill | $8,848 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9543-2 |
| Primary APN | C56-000-589-9543-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,882 sqft Living Area |
| Gross Area | 4,670 sqft |
| 1st Floor Area | 1,482 sqft |
| Upper Floors Area | 1,400 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Custom Design |
| Exterior Material | Stucco |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 20,039 sqft (0.46 acres) |
| Lot Width | 50 ft Width |
| Garage Type | Detached |
| Garage Area | 570 sqft |
| Driveway | Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 714 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 522 BEACH DR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RESUB OF KELLYS ADD TO DESTIN LOT 16 BLK 7 |
| Legal Subdivision | RESUB OF KELLYS ADD |
| Legal Block | 7 |
| Legal Lot Number | 16 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 23306 |
522 Beach Dr is owned and occupied by an individual who bought it in February 2012.
Source: Okaloosa County records, as of December 31, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 522 BEACH DR, DESTIN, FL 32541-1714 |
| 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 | Name on Deed |
|---|---|
| Last Sale | Feb 9, 2012 · Amount on File |
| Deed Sale | Feb 9, 2012 · Amount on File |
| Deed Document Number | 20122756010 |
| Deed Book / Page | 3021 / 557 |
| Prior Transfer Date | May 13, 2009 |
| Prior Transfer Doc | 0028974742 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 522 Beach Dr was $8,848 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 | $8,848.00 Homeowner's exemption | $786,170 | $1,110,363 Land $418,071 Building $692,292 |
| 2023 | $8,400.00 (+2.25%) Homeowner's exemption | $741,761 (+3%) | $1,106,522 (+10.41%) Land $401,991 Building $704,531 |
| 2022 | $8,215.00 Homeowner's exemption | $720,156 | $1,002,188 Land $348,044 Building $654,144 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 522 Beach Dr 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 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 522 Beach 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 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.
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 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 |
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