616 Fourth St, Destin, FL 32541 Property Records

Okaloosa County property record for 616 Fourth St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,674 sqft · built 1979
Lot Size	0.22 acres (9,601 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (May 2021)
Tax Bill	$3,002 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`C56-000-589-9640-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-9640-6`
Alternative APN	`00-2S-22-1361-0013-0050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,674 sqft Heated Area
Gross Area	1,866 sqft
1st Floor Area	1,550 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	9,601 sqft (0.22 acres)
Lot Width	70 ft Width
Porch	Porch
Porch Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	616 FOURTH ST
City	DESTIN
State	FL
Zip	32541-1628
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELLYS 3RD ADD DESTIN LOT 5 BLK 13
Legal Range	22
Legal Township	02S
Legal Subdivision	KELLYS 3RD ADDN TO DESTIN
Legal Block	13
Legal Lot Number	5
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1011
Census Tract	23306

Owner

Source: Okaloosa County records, as of December 8, 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 Record
Co-owner	Co-owner on Record
Mailing Address	616 FOURTH ST, DESTIN, FL 32541-1628
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2021 · Amount on Record
Deed Sale	May 7, 2021 · Amount on Record
Deed Document Number	3453194
Deed Book / Page	3545 / 150
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 7, 2021
Property Address	616 FOURTH ST, DESTIN, FL 32541-1628
Document Number	0035450150
Book / Page	3545 / 150
Map Reference	MB 2 PG 164
Instrument Date	May 4, 2021
Instrument	3453194
Transaction Type	Transfer
Record Updated	Sep 24, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4050 MANCHESTER CT, 4050, PACE, FL 32571-7616

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	616 FOURTH ST, DESTIN, FL 32541-1628

Mortgage

Document Number	3545154
Date	May 7, 2021
Instrument	3545/154

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	$3,002.00 (+5.82%) Homeowner's exemption	$292,547 (+5.99%)	$302,498 (+4.49%) Land $145,583 Building $156,915
2023	$2,837.00 (+2.57%) Homeowner's exemption	$276,021 (+3%)	$289,513 (+8.03%) Land $132,096 Building $157,417
2022	$2,766.00 Homeowner's exemption	$267,982 Land $120,087 Building $147,895	$267,982 Land $120,087 Building $147,895

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

Flood

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	7.0 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	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 16 claims Hurricane Frances, Sep 2004 · 20 claims Hurricane Opal, Oct 1995 · 21 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

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.

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 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