Okaloosa County property record for 541 Harbor Blvd, Destin, FL 32541
| Property Type | Restaurant |
|---|---|
| Details | 10 ba · 8,449 sqft · built 1982 |
| Lot Size | 0.29 acres (12,636 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $716,100 (Jul 2020) |
| Tax Bill | $7,133 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Feb 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-4824-1 |
| Primary APN | C56-000-589-4824-1 |
|---|---|
| Alternative APNs |
|
| Full Baths | 10 Baths |
|---|---|
| Plumbing Fixtures | 26 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 8,449 sqft Gross Area |
| 1st Floor Area | 4,571 sqft |
| Upper Floors Area | 1,391 sqft |
| Flooring | Wood |
| Interior Walls | Wood |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Shed Roof |
| Roof Material | Metal |
| Lot Area | 12,636 sqft (0.29 acres) |
| Lot Width | 50 ft Width |
| Porch | Finished/Open Porch |
| Porch Area | 2,158 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 541 HARBOR BLVD |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-7318 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Legal Description | CALHOUN S/D DESTIN LOT S *SEE NOTES |
| Legal Subdivision | CALHOUN S/D |
| Legal Block | S |
| Legal Lot Number | S |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 23307 |
Source: Okaloosa County records, as of April 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 4010 COMMONS DR W, 112, DESTIN, FL 32541-8421 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Sep 10, 2025 | Deed of Trust, Mortgage · Line of Credit HANCOCK WHITNEY BANK |
| Feb 23, 2022 | Deed of Trust, Mortgage · Line of Credit WHITNEY BANK |
| Jan 17, 2023 | Deed of Trust, Mortgage · Line of Credit WHITNEY BANK |
| Jul 27, 2020 | Warranty Deed, Transfer FIRST BK |
| Jul 27, 2020 | Warranty Deed, Transfer MCNEESE TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 27, 2020 · Amount on Record |
| Deed Sale | Jul 27, 2020 · Amount on Record |
| Prior Sale | Jul 27, 2020 · Amount on Record |
| Deed Document Number | 20203376344 |
| Deed Book / Page | 3478 / 1374 |
| Prior Transfer Date | Feb 19, 2013 |
| Prior Transfer Doc | 0030824800 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 541 HARBOR BLVD, DESTIN, FL 32541-7318 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Name | Verified Name |
|---|---|
| Address | 657 E ROMANA ST, PENSACOLA, FL 32502-6111 |
| Document Number | 0003772556 |
|---|---|
| Date | Sep 10, 2025 |
| Instrument | 3772556 |
| Name | HANCOCK WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32541 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 541 HARBOR BLVD, DESTIN, FL 32541-7318 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Title Company | MCNEESE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0036054647 |
|---|---|
| Date | Feb 23, 2022 |
| Book Page | 3605/4647 |
| Instrument | 3528827 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32541 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 541 HARBOR BLVD, DESTIN, FL 32541-7318 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0036583088 |
|---|---|
| Date | Jan 17, 2023 |
| Book Page | 3658/3088 |
| Instrument | 3601339 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32541 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 27, 2020 |
| Property Address | 541 HARBOR BLVD, DESTIN, FL 32541-7318 |
| Document Number | 0034781374 |
| Book / Page | 003478 / 001374 |
| Instrument Date | Jul 17, 2020 |
| Instrument | 3376344 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2020 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,013.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4010 COMMONS DR W #112 DESTIN FL 325418421, 112, DESTIN, FL 32541-8421 |
| Document Number | 34781380 |
|---|---|
| Date | Jul 27, 2020 |
| Book Page | 003478/001380 |
| Instrument | 3376347 |
| Name | FIRST BK |
|---|---|
| Type | Bank |
| Address | PO BOX 1830, COVINGTON, LA 70434-1830 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Jul 26, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 27, 2020 |
| Property Address | 541 HARBOR BLVD, DESTIN, FL 32541-7318 |
| Document Number | 0034781372 |
| Book / Page | 003478 / 001372 |
| Instrument Date | Jul 17, 2020 |
| Instrument | 3376343 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2020 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,497.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4010 COMMON DR #112 DESTIN FL 32541, 112, DESTIN, FL 32541 |
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 | $7,133.00 (+9.32%) | $640,916 (+0.97%) Land $306,306 Building $334,610 | $640,916 (+0.97%) Land $306,306 Building $334,610 |
| 2023 | $6,525.00 (+35.46%) | $634,777 (+42.67%) Land $288,750 Building $346,027 | $634,777 (+42.67%) Land $288,750 Building $346,027 |
| 2022 | $4,817.00 | $444,921 Land $275,000 Building $169,921 | $444,921 Land $275,000 Building $169,921 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 21 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 21 in force |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 244 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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