Okaloosa County property record for 610 Third Ave, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,460 sqft · built 1957 |
| Lot Size | 0.641 acres (27,932 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,894 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9649-7 |
| Primary APN | C56-000-589-9649-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,460 sqft Heated Area |
| Gross Area | 2,425 sqft |
| 1st Floor Area | 1,040 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 27,932 sqft (0.641 acres) |
| Lot Width | 165 ft Width |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Enclosed Porch |
| Porch Area | 308 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Convection |
| Street Address | 610 THIRD AVE |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1712 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELLYS 3RD ADD LOTS 20 21 BLK 13 |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | KELLYS 3RD ADDN TO DESTIN |
| Legal Block | 13 |
| Legal Lot Number | 20 21 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 23306 |
Source: Okaloosa County records · APN C56-000-589-9649-7
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 610 THIRD AVE, DESTIN, FL 32541-1712 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU |
| Sep 16, 2019 | Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU |
| May 09, 2019 | Quit Claim Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | Verified Name on Deed |
|---|---|
| Prior Sale | Mar 03, 2008 |
| Last Transfer Date | May 09, 2019 |
| Transfer Doc | 0033981528 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 610 THIRD AVE, DESTIN, FL 32541-1712 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034634451 |
|---|---|
| Date | May 22, 2020 |
| Book Page | 3463/4451 |
| Instrument | 3360114 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 01, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 610 THIRD AVE, DESTIN, FL 32541-1712 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034191354 |
|---|---|
| Date | Sep 16, 2019 |
| Book Page | 3419/1354 |
| Instrument | 3305160 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 15, 2034 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 09, 2019 |
| Property Address | 610 THIRD AVE, DESTIN, FL 32541-1712 |
| Document Number | 0033981528 |
| Book / Page | 003398 / 001528 |
| Instrument Date | May 08, 2019 |
| Instrument | 3276546 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 610 THIRD AVE DESTIN FL 325411712, DESTIN, FL 32541-1712 |
| Document Number | 33983699 |
|---|---|
| Date | May 09, 2019 |
| Book Page | 003398/003699 |
| Instrument | 3277155 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | DRIVE PLANO, TX 75024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 08, 2044 |
| Rate Type | Fixed Rate |
|---|
Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $2,894.00 (+5.85%) Homeowner's exemption | $283,459 (+5.99%) | $399,848 (+5.03%) Land $218,375 Building $181,473 |
| 2023 | $2,734.00 (+2.55%) Homeowner's exemption | $267,447 (+3%) | $380,710 (+8.09%) Land $198,144 Building $182,566 |
| 2022 | $2,666.00 Homeowner's exemption | $259,657 | $352,221 Land $180,131 Building $172,090 |
Source: FEMA National Flood Hazard Layer as of March 8, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 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 99.8% of the US · lower than 99.7% 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 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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