Okaloosa County property record for 616 Benning Dr, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,242 sqft · built 1970 |
| Lot Size | 0.435 acres (18,972 sqft) |
| Owner | Individual Name on File |
| Last Sale | $600,000 (Nov 2024) |
| Tax Bill | $2,880 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Oct 2019 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | C56-000-589-4798-7 |
| Primary APN | C56-000-589-4798-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,242 sqft Heated Area |
| Gross Area | 2,277 sqft |
| 1st Floor Area | 1,372 sqft |
| Upper Floors Area | 870 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 18,972 sqft (0.435 acres) |
| Lot Width | 95 ft Width |
| Porch | Porch |
| Porch Area | 35 sqft |
| Patio Area | 35 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 616 BENNING DR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1720 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CALHOUN S/D DESTIN N 94.86 FT OF S 733.91 FT OF LOT H 2 BLK H |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | CALHOUN S/D |
| Legal Block | H |
| Legal Lot Number | H |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 23306 |
Source: Okaloosa County assessment roll, as of July 1, 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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 616 BENNING DR, DESTIN, FL 32541-1720 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 24, 2022 | Warranty Deed, Transfer · Commercial Mortgage HOMETOWN EQUITY MORTGAGE |
| Oct 31, 2019 | Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 27, 2024 · Amount on Record |
| Deed Sale | Nov 27, 2024 · Amount on Record |
| Prior Sale | Aug 24, 2022 · Amount on Record |
| Deed Document Number | 3725456 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 24, 2022 |
| Property Address | 616 BENNING DR, DESTIN, FL 32541-1720 |
| Document Number | 0036392273 |
| Book / Page | 3639 / 2273 |
| Map Reference | MB 2 PG 43-A |
| Instrument Date | Aug 23, 2022 |
| Instrument | 3573885 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2022 |
| Title Company | NOT AVAILABLE, KETCHERSID LAND & TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,570.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 349 RACETRACK RD NW, 349, FORT WALTON BEACH, FL 32547-1552 |
| Name | Verified Name |
|---|---|
| Address | 1283 BEAR CREEK RD, WALNUT SHADE, MO 65771-9305 |
| Document Number | 0036392277 |
|---|---|
| Date | Aug 24, 2022 |
| Instrument | 3639/2277 |
| Name | HOMETOWN EQUITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 616 BENNING DR, DESTIN, FL 32541-1720 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034263560 |
|---|---|
| Date | Oct 31, 2019 |
| Book Page | 3426/3560 |
| Instrument | 3315230 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
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 | $2,880.00 (-31%) Homeowner's exemption | $282,284 (-19.22%) | $424,105 (+21.36%) Land $145,583 Building $278,522 |
| 2023 | $4,174.00 (+208.96%) | $349,451 (+132.11%) Land $132,096 Building $217,355 | $349,451 (+7.77%) Land $132,096 Building $217,355 |
| 2022 | $1,351.00 Homeowner's exemption | $150,555 | $324,250 Land $120,087 Building $204,163 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 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 |
|
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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 337 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 USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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