543 Sibert Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 543 Sibert Ave, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,354 sqft · built 1986
Lot Size	0.174 acres (7,570 sqft)
Owner	2 Individual Names on File
Last Sale	$257,000 (Aug 2017)
Tax Bill	$1,311 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`C56-000-589-8373-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-8373-5`
Alternative APNs	`00-2S-22-1137-000A-0080` `22S2001137000A0080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,354 sqft Living Area
Gross Area	1,785 sqft
1st Floor Area	1,354 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	7,570 sqft (0.174 acres)
Lot Width	72 ft Width
Garage Type	Attached
Garage Area	288 sqft
Porch	Finished/Open Porch
Porch Area	143 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	543 SIBERT AVE
City	DESTIN
State	FL
Zip	32541-1616
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HERITAGE RUN S/D LOT 8 BLK A
Legal Subdivision	HERITAGE RUN S/D
Legal Block	A
Legal Lot Number	8
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1003
Census Tract	23306

Owner

543 Sibert Ave is owned and occupied by two individuals who bought it in August 2017.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	543 SIBERT AVE, DESTIN, FL 32541-1616
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 10, 2017	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2017 · Amount on File
Deed Sale	Aug 10, 2017 · Amount on File
Prior Sale	Oct 20, 2016 · Amount on File
Deed Document Number	20173153018
Deed Book / Page	3312 / 3535
Prior Transfer Date	Jan 7, 2003
Prior Transfer Doc	0001982239
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	543 SIBERT AVE, DESTIN, FL 32541-1616
Transaction Type	Mortgage
Record Updated	May 25, 2021
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 SIBERT AVE, DESTIN, FL 32541-1616

Mortgage

Document Number	0035423341
Date	Apr 28, 2021
Book Page	3542/3341
Instrument	3450400

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 10, 2017
Property Address	543 SIBERT AVE, DESTIN, FL 32541-1616
Document Number	0033123535
Book / Page	3312 / 3535
Map Reference	MB9 PG87
Instrument Date	Aug 8, 2017
Instrument	3153018
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	8805 KEPLER AVE NW, 8805, CANAL FULTON, OH 44614-8865

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 SIBERT AVE, DESTIN, FL 32541-1616

Mortgage

Document Number	0003153019
Date	Aug 10, 2017
Instrument	3153019

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 543 Sibert Ave was $1,311 with a homeowner's exemption.

Source: Okaloosa County assessment roll, as of December 31, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,311.00 Homeowner's exemption	$149,803	$318,777 Land $143,818 Building $174,959
2023	$1,228.00 (+3.19%) Homeowner's exemption	$141,341 (+3%)	$304,643 (+7.95%) Land $130,494 Building $174,149
2022	$1,190.00 Homeowner's exemption	$137,224	$282,202 Land $118,631 Building $163,571

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

Flood

FEMA maps place 543 Sibert Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
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	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 16 claims Hurricane Frances, Sep 2004 · 20 claims Hurricane Opal, Oct 1995 · 21 claims

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

Wildfire risk around 543 Sibert Ave 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 99.1% of the US · lower than 98.7% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 147 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	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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