531 Third Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 531 Third Ave, Destin, FL 32541 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,019 sqft · built 1978
Lot Size	0.423 acres (18,407 sqft)
Owner	2 Individual Names on File
Last Sale	$625,000 (Oct 2024)
Tax Bill	$5,278 (2024)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-9687-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-9687-7`
Alternative APNs	`00-2S-22-1361-0017-0040` `22S200136100170040`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,019 sqft Living Area
Gross Area	3,592 sqft
1st Floor Area	2,019 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	18,407 sqft (0.423 acres)
Lot Width	120 ft Width
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	252 sqft
Patio Area	901 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	531 THIRD AVE
City	DESTIN
State	FL
Zip	32541-1709
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELLYS 3RD ADD LOTS 4 & 5 BLK 17
Legal Subdivision	KELLYS 3RD ADD
Legal Block	17
Legal Lot Number	40
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1006
Census Tract	23306

Owner

Source: Okaloosa County records · APN C56-000-589-9687-7

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	2 Individual Names on File
Mailing Address	531 THIRD AVE, DESTIN, FL 32541-1709
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION
Jan 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU
Dec 13, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 29, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 24, 2017	Warranty Deed, Transfer · Conventional Mortgage INTERLINC MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 30, 2024 · Amount on Record
Deed Sale	Oct 30, 2024 · Amount on Record
Prior Sale	Jul 24, 2017 · Amount on Record
Deed Document Number	20243719673
Prior Transfer Date	Dec 12, 2019
Prior Transfer Doc	0034333625
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Recording Date	Jul 17, 2026
Property Address	531 THIRD AVE, DESTIN, FL 32541-1709
Document Number	0003828511
Instrument Date	Jul 10, 2026
Instrument	20263828511
Transaction Type	Mortgage
Record Updated	Jul 29, 2026
Title Company	NAVY FEDERAL TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 THIRD AVE, DESTIN, FL 32541-1709

Mortgage

Document Number	0003828511,
Date	Jul 17, 2026
Instrument	20263828511

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	531 THIRD AVE, DESTIN, FL 32541-1709
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034402448
Date	Jan 27, 2020
Book Page	3440/2448
Instrument	3332811

Lender

Name	EGLIN FCU
Type	Credit Union
Address	FORT WALTON BEACH, FL 32547

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 01, 2035

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 13, 2019
Property Address	531 THIRD AVE, DESTIN, FL 32541-1709
Document Number	0034333625
Book / Page	003433 / 003625
Instrument Date	Dec 12, 2019
Instrument	3324251
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1226 QUAIL RIDGE DR DESTIN FL 325412920, DESTIN, FL 32541-2920

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 29, 2019
Property Address	531 THIRD AVE, DESTIN, FL 32541-1709
Document Number	0034261511
Book / Page	003426 / 001511
Instrument Date	Oct 29, 2019
Instrument	3314673
Transaction Type	Transfer
Record Updated	Nov 18, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	531 THIRD AVE DESTIN FL 325411709, DESTIN, FL 32541-1709

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 24, 2017
Property Address	531 THIRD AVE, DESTIN, FL 32541-1709
Document Number	0033093178
Book / Page	3309 / 3178
Map Reference	MB2 PG164
Instrument Date	Jul 21, 2017
Instrument	3148898
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	CUSTOMERS FIRST TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	531 THIRD AVE, 531, DESTIN, FL 32541-1709

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1226 QUAIL RIDGE DR, DESTIN, FL 32541-2920

Mortgage

Document Number	0003148899
Date	Jul 24, 2017
Instrument	3148899

Lender

Name	INTERLINC MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2047

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified April 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$476,191 (+6.91%) Land $218,375 Building $257,816	$476,191 (+6.91%) Land $218,375 Building $257,816
2024	$5,278.00 (+7.52%)
2023	$4,909.00 (+7.99%)	$445,425 (+8.03%) Land $198,144 Building $247,281	$445,425 (+8.03%) Land $198,144 Building $247,281
2022	$4,546.00	$412,323 Land $180,131 Building $232,192	$412,323 Land $180,131 Building $232,192

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910233061, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 96 individual NFIP policies nearby
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, tidal / storm surge, Hurricane Sally
Claims By Storm	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 16 claims Hurricane Frances, Sep 2004 · 20 claims Hurricane Opal, Oct 1995 · 21 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 337 locations within about half a mile of this property

Provider	Technology	Download / Upload (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	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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