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535 Harbor Blvd, Destin, FL 32541 Property Records

Okaloosa County property record for 535 Harbor Blvd, Destin, FL 32541 · Last verified December 2025

Property Highlights

Property TypeCommercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Year BuiltBuilt 1999
Square Footage4,048 sqft Total Area
Lot Size37,650 sqft (0.864 acres)
Last Sale$2,250,000 (2025)
Tax Bill$23,372.00 (2025)

Property Details

APN / Parcel Number

Primary APNC56-000-589-4823-3
Alternative APN
  • 00-2S-22-0310-000P-0000

Interior

Plumbing Fixtures14 Plumbing Fixtures
Total Rooms19 Rooms
Building Area4,048 sqft Total Area
1st Floor3,396 sqft 1st Floor
Stories1 Stories
Primary FlooringConcrete/Cement Flooring
Interior StructureCustom/Decorative Interior Structure

Exterior

Year BuiltBuilt 1953
Effective Year BuiltEffective 1999
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Fire Resistance ClassBuildings having exterior walls built of a non-combustible material such as brick, concrete, block or poured concrete. Interior partitions and roof structure are built of combustible materials. Floor may be concrete or wood frame.
Roof ConstructionShed Roof Construction
Roof MaterialMetal Roof
Lot Area37,650 sqft (0.864 acres)
Lot Width100 ft Width
Total Buildings3 Total Buildings
PorchOpen Porch
Porch Area4,728 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air Heating

Location & Zoning

Street Address535 HARBOR BLVD
CityDESTIN
StateFL
Zip32541-7341
Property UsageCommercial Property Usage
TypeCommercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal DescriptionCALHOUN S/D DESTIN BEG SW COR LOT O N 14 DEG E 450FT TO S R/W MOUNTAIN DR S 75 DEG E 200.17FT S 14 DEG W 199.93FT N 75 DEG W
Legal Range22
Legal Township02S
Legal SubdivisionCALHOUN S/D
Legal Lot NumberO
JurisdictionOKALOOSA FL
Minor Civil DivisionFORT WALTON BEACH
Census Blockgroup2
Census Block2009
Census Tract23307

Owner

Source: Okaloosa County records · APN C56-000-589-4823-3

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address585 GRAND BLVD STE 201, 201, MIRAMAR BEACH, FL 32550-1406
Owner TypeOwner is a Company

Deeds, Mortgages & Sale History

DateDocument
Sep 17, 2025Warranty Deed, Transfer
BURKE LAW AND TITLE LLC
Feb 23, 2022Deed of Trust, Mortgage · Line of Credit
WHITNEY BANK
Jan 17, 2023Deed of Trust, Mortgage · Line of Credit
WHITNEY BANK
Jul 27, 2020Warranty Deed, Transfer
MCNEESE TITLE LLC
Mar 03, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 17, 2025 · Amount on Record
Deed SaleSep 17, 2025 · Amount on Record
Prior SaleMar 03, 2020
Deed Doc Number3773691
Record RefreshedJun 08, 2026

September 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateSep 17, 2025
Property Address535 HARBOR BLVD, DESTIN, FL 32541-7341
Document Number0003773691
Map ReferenceMB 1 PG 117
Instrument DateSep 10, 2025
Instrument3773691
Transaction TypeTransfer
Record UpdatedOct 13, 2025
Title CompanyBURKE LAW AND TITLE LLC

Transaction

AmountAmount Recorded
Tax$15,750.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name
Address657 E ROMANA ST, PENSACOLA, FL 32502-6111

Transferred To (Grantee/Buyer)

NameVerified Name
Address585 GRAND BLVD STE 201, 201, MIRAMAR BEACH, FL 32550-1406

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address535 HARBOR BLVD, DESTIN, FL 32541-7341
Transaction TypeMortgage
Record UpdatedFeb 13, 2024
Title CompanyMCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0036054647
DateFeb 23, 2022
Book Page3605/4647
Instrument3528827
Lender
NameWHITNEY BANK
TypeBank
AddressDESTIN, FL 32541
Agreement
TypeLine of Credit
AmountAmount Recorded

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address535 HARBOR BLVD, DESTIN, FL 32541-7341
Transaction TypeMortgage
Record UpdatedFeb 13, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0036583088
DateJan 17, 2023
Book Page3658/3088
Instrument3601339
Lender
NameWHITNEY BANK
TypeBank
AddressDESTIN, FL 32541
Agreement
TypeLine of Credit
AmountAmount Recorded

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateJul 27, 2020
Property Address535 HARBOR BLVD, DESTIN, FL 32541-7341
Document Number0034781378
Book / Page003478 / 001378
Instrument DateJul 17, 2020
Instrument3376346
Transaction TypeTransfer
Record UpdatedSep 01, 2020
Title CompanyMCNEESE TITLE LLC

Transaction

AmountAmount Recorded
Tax$10,290.00
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address4010 COMMON DR #112 DESTIN FL 32541, 112, DESTIN, FL 32541

March 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOKALOOSA FL
Recording DateMar 03, 2020
Property Address535 HARBOR BLVD, DESTIN, FL 32541-7341
Document Number0034473546
Book / Page003447 / 003546
Instrument DateFeb 05, 2020
Instrument3341819
Transaction TypeTransfer
Record UpdatedMar 20, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1 COOSA CT DESTIN FL 325414402, DESTIN, FL 32541-4402

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
MunicipalityDestin City
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$23,372.00 (+94.46%)$2,008,943 (+80.44%) Land $1,695,193 Building $313,750$2,008,943 (+80.44%) Land $1,695,193 Building $313,750
2024$12,019.00 (+4.91%)$1,113,386 (+2.08%) Land $883,575 Building $229,811$1,113,386 (+2.08%) Land $883,575 Building $229,811
2023$11,457.00 (+7.29%)$1,090,675 (+6.9%) Land $866,250 Building $224,425$1,090,675 (+6.9%) Land $866,250 Building $224,425
2022$10,679.00$1,020,296 Land $825,000 Building $195,296$1,020,296 Land $825,000 Building $195,296

Flood & Wildfire

535 Harbor Blvd is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Okaloosa County (12091C), updated March 8, 2021

FEMA Flood ZoneZone X
minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to HomesNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.

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