605 Harbor Ln, Destin, FL 32541 Property Records

Okaloosa County property record for 605 Harbor Ln, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,305 sqft · built 1995
Lot Size	1.02 acres (44,669 sqft)
Owner	Individual Name on File
Tax Bill	$11,833 (2025)
Deeds & Mortgages	Jul 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-9159-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-9159-7`
Alternative APNs	`00-2S-22-1320-0016-0000` `22S200132000160000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	1 Story
Building Area	4,305 sqft Living Area
Gross Area	7,687 sqft
1st Floor Area	4,305 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	44,669 sqft (1.02 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	650 sqft

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	476 sqft
Patio Area	376 sqft
Shed	1 Shed
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	605 HARBOR LN
City	DESTIN
State	FL
Zip	32541-1835
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1ST JOES BAYOU DESTIN LOT 16
Legal Subdivision	1ST JOES BAYOU DESTIN
Legal Block	16
Legal Lot Number	16
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1002
Census Tract	23305

Owner

605 Harbor Ln is owned and occupied by an individual who acquired it in July 2017.

Source: Okaloosa County records, as of December 31, 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	Individual Name on File
Mailing Address	PO BOX 1735, DESTIN, FL 32540-1735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 18, 2017
Transfer Doc	0033100318
Record Updated	Jun 8, 2026

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 25, 2017
Property Address	605 HARBOR LN, DESTIN, FL 32541-1835
Document Number	0033100318
Book / Page	003310 / 000318
Instrument Date	Jul 18, 2017
Instrument	3149526
Transaction Type	Transfer
Record Updated	Nov 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 1735 DESTIN FL 325401735, DESTIN, FL 32540-1735

Tax Assessment & Valuation

The 2025 property tax bill for 605 Harbor Ln was $11,833 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	$11,833.00 Homeowner's exemption	$1,038,223	$2,265,146 Land $961,564 Building $1,303,582
2023	$11,241.00 (+2.22%) Homeowner's exemption	$979,576 (+3%)	$1,894,742 (+11.66%) Land $924,579 Building $970,163
2022	$10,997.00 Homeowner's exemption	$951,045	$1,696,906 Land $800,501 Building $896,405

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

Flood

FEMA maps place 605 Harbor Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 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	Hurricane Frances, Sep 2004 · 10 claims Hurricane Georges, Sep 1998 · 10 claims Hurricane Opal, Oct 1995 · 17 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 605 Harbor Ln is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% 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 220 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20