Okaloosa County property record for 604 Harbor Ln, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 3,220 sqft · built 2018 |
| Lot Size | 0.364 acres (15,890 sqft) |
| Owner | Trust Name on File |
| Last Sale | $475,000 (May 2016) |
| Tax Bill | $14,632 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Nov 2021 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-1908-3 |
| Primary APN | C56-000-590-1908-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 3,220 sqft Heated Area |
| Gross Area | 4,706 sqft |
| 1st Floor Area | 3,220 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Custom/Decorative |
| Fireplaces | 3 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Stone |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Masonite/Cement Shake |
| Lot Area | 15,890 sqft (0.364 acres) |
| Lot Width | 115 ft Width |
| Garage Type | Finished |
| Garage Area | 730 sqft |
| Porch | Enclosed Porch |
| Porch Area | 756 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 604 HARBOR LN |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1835 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SAFE HARBOR PART LOT 8:COM NE COR LOT 8 S 80 DEG W 65.27 FT TO POB S 30 DEG W 190 FT N 61 DEG W 138 FT TO W/E N 48 DEG E 115. |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | SAFE HARBOR |
| Legal Lot Number | 8 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 23305 |
Source: Okaloosa County records, as of December 8, 2025
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 | Trust Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 604 HARBOR LN, DESTIN, FL 32541-1835 |
| Occupancy | Owner Occupied |
| Owner Type | Individual, Secondary Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Nov 14, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Nov 1, 2021 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| May 3, 2017 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTMARK NATIONAL BANK |
| Aug 26, 2019 | Deed of Trust, Mortgage · Commercial Mortgage TRUSTMARK NATIONAL BANK |
| May 18, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Mar 23, 2020 | Deed of Trust, Mortgage BANK OF AMERICA |
| Oct 22, 2018 | Loan Modification, Mortgage TRUSTMARK NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 18, 2016 · Amount on File |
| Deed Sale | May 18, 2016 · Amount on File |
| Prior Sale | Jul 15, 2014 · Amount on File |
| Deed Document Number | 3066409 |
| Deed Book / Page | 3248 / 2274 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 604 HARBOR LN, DESTIN, FL 32541-1835 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Name | Verified Name |
|---|---|
| Address | 604 HARBOR LN, DESTIN, FL 32541-1835 |
| Document Number | 0003657363 |
|---|---|
| Date | Nov 14, 2023 |
| Instrument | 3657363 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 7, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 604 HARBOR LN, DESTIN, FL 32541-1835 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Title Company | TITLE365 - OMAHA, TITLE365 OMAHA |
| Name | Verified Name |
|---|---|
| Address | 604 HARBOR LN, DESTIN, FL 32541-1835 |
| Document Number | 0035840908 |
|---|---|
| Date | Nov 1, 2021 |
| Book Page | 3584/908 |
| Instrument | 3501622 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 19, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 604 HARBOR LN, DESTIN, FL 32541-1835 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0032974847 |
|---|---|
| Date | May 3, 2017 |
| Book Page | 3297/4847 |
| Instrument | 3132656 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | JACKSON, MS 39225 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 168 Months |
| Due | May 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 604 HARBOR LN, DESTIN, FL 32541-1835 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034152900 |
|---|---|
| Date | Aug 26, 2019 |
| Book Page | 3415/2900 |
| Instrument | 3300241 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32541 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 2, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 604 HARBOR LN, DESTIN, FL 32541-1835 |
| Document Number | 0034642836 |
| Instrument Date | May 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2020 |
| Title Company | TITLE365 - OMAHA |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 604 HARBOR LN DESTIN FL 325411835, DESTIN, FL 32541-1835 |
| Document Number | 0034642836 |
|---|---|
| Date | May 27, 2020 |
| Book Page | 003464/002836 |
| Instrument | 3360833 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 26, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 604 HARBOR LN, DESTIN, FL 32541-1835 |
| Document Number | 0034531566 |
| Instrument Date | Mar 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 604 HARBOR LN DESTIN FL 325411835, DESTIN, FL 32541-1835 |
| Document Number | 0034531566 |
|---|---|
| Date | Mar 31, 2020 |
| Book Page | 003453/001566 |
| Instrument | 3348713 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | 101 S TRYON ST, CHARLOTTE, NC 28280-0002 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Mar 30, 2035 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 604 HARBOR LN, DESTIN, FL 32541-1835 |
| Document Number | 0033730720 |
| Instrument Date | Oct 22, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 604 HARBOR LN DESTIN FL 325411835, DESTIN, FL 32541-1835 |
| Document Number | 0033730720 |
|---|---|
| Date | Oct 30, 2018 |
| Book Page | 003373/000720 |
| Instrument | 3240703 |
| Name | TRUSTMARK NAT'L BK |
|---|---|
| Type | Bank |
| Address | 201 COUNTRY PLACE PKWY # B, PEARL, MS 39208-6689 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Oct 29, 2033 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
Source: Okaloosa County assessment roll, as of July 1, 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 | $14,632.00 (+5.23%) Homeowner's exemption | $1,274,522 (+5.99%) | $1,697,264 (+0.68%) Land $709,885 Building $987,379 |
| 2023 | $13,905.00 (+2.2%) Homeowner's exemption | $1,202,527 (+3%) | $1,685,719 (+9.6%) Land $682,581 Building $1,003,138 |
| 2022 | $13,606.00 Homeowner's exemption | $1,167,502 | $1,538,091 Land $590,978 Building $947,113 |
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 VE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 156 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 258 units insured incl. 102 condo units |
| Nearby Flood Claims | 65 (1991–2021) |
| Claims Outside the SFHA | 43 of 65 |
| Most Recent Claim | Jun 2021 · other causes |
| Claims by Event |
|
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 | Low lower than 99.8% of the US · lower than 99.7% 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.
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 150 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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