Okaloosa County property record for 603 Fourth St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,831 sqft · built 1980 |
| Lot Size | 0.285 acres (12,424 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $274,900 (Jun 2017) |
| Tax Bill | $3,975 (2025) |
| Deeds & Mortgages | Feb 2018 Mortgage Jun 2017 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-589-9493-0 |
| Primary APN | C56-000-589-9493-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,831 sqft Living Area |
| Gross Area | 2,144 sqft |
| 1st Floor Area | 1,831 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 12,424 sqft (0.285 acres) |
| Lot Width | 83 ft Width |
| Garage Area | 520 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 209 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 603 FOURTH ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1624 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RESUB OF KELLYS ADD TO DESTIN LOT 29 BLK 3A |
| Legal Subdivision | RESUB OF KELLYS ADD |
| Legal Block | 3A |
| Legal Lot Number | 29 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 23306 |
Source: Okaloosa County records · APN C56-000-589-9493-0
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 | 603 FOURTH ST, DESTIN, FL 32541-1624 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 21, 2018 | Deed of Trust, Mortgage SYNOVUS BK |
| Jun 30, 2017 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 30, 2017 · Amount on Record |
| Deed Sale | Jun 30, 2017 · Amount on Record |
| Deed Document Number | 20173144701 |
| Deed Book / Page | 3306 / 2575 |
| Prior Transfer Date | Oct 07, 2014 |
| Prior Transfer Doc | 0031684354 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 603 FOURTH ST, DESTIN, FL 32541-1624 |
| Document Number | 0033421557 |
| Instrument Date | Feb 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 741 BAYOU DR DESTIN FL 325411802, DESTIN, FL 32541-1802 |
| Document Number | 0033421557 |
|---|---|
| Date | Mar 22, 2018 |
| Book Page | 003342/001557 |
| Instrument | 3195816 |
| Name | SYNOVUS BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, GA 31901 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Mar 21, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 30, 2017 |
| Property Address | 603 FOURTH ST, DESTIN, FL 32541-1624 |
| Document Number | 0033062575 |
| Book / Page | 003306 / 002575 |
| Instrument Date | Jun 27, 2017 |
| Instrument | 3144701 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2017 |
| Title Company | COTTON LAND TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,924.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 603 FOURTH ST DESTIN FL 325411624, DESTIN, FL 32541-1624 |
| Document Number | 33062576 |
|---|---|
| Date | Jun 30, 2017 |
| Book Page | 003306/002576 |
| Instrument | 3144702 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 29, 2047 |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
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 | $3,975.00 (+3.41%) Homeowner's exemption | $374,742 (+3.99%) Land $165,391 Building $209,351 | $374,742 (+3.99%) Land $165,391 Building $209,351 |
| 2023 | $3,844.00 (+5.2%) Homeowner's exemption | $360,370 (+8.7%) Land $150,068 Building $210,302 | $360,370 (+8.7%) Land $150,068 Building $210,302 |
| 2022 | $3,654.00 | $331,519 Land $136,426 Building $195,093 | $331,519 Land $136,426 Building $195,093 |
Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), as of March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910233061, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 Record 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 |
|
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (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 · Fiber in parts of the area | 100 / 20 |
Based on FCC filings for 150 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL1460202, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | DESTIN WATER USERS, INC. private · serves 31,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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