Okaloosa County property record for 623 Fourth St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,162 sqft · built 1975 |
| Lot Size | 0.173 acres (7,514 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,833 (2025) |
| Deeds & Mortgages | Nov 2025 Transfer Feb 2023 Transfer |
| Flood Zone | Zone X (moderate risk) |
| APN | C56-000-589-9597-8 |
| Primary APN | C56-000-589-9597-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,162 sqft Living Area |
| Gross Area | 1,482 sqft |
| 1st Floor Area | 1,162 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,514 sqft (0.173 acres) |
| Lot Width | 60 ft Width |
| Patio Area | 640 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|
| Street Address | 623 FOURTH ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1623 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELLYS 3RD ADD DESTIN LOT 15 BLK 5 |
| Legal Subdivision | KELLYS 3RD ADD |
| Legal Block | 5 |
| Legal Lot Number | 15 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 23306 |
Source: Okaloosa County records · APN C56-000-589-9597-8
Assessment roll updated December 31, 2025 · Last verified July 2026
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 | 632 FOURTH ST, DESTIN, FL 32541-1626 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 12, 2025 | Intrafamily Transfer, Transfer |
| Feb 16, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Dec 23, 2024 |
| Transfer Doc | 0003784186 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Nov 12, 2025 |
| Property Address | 623 FOURTH ST, DESTIN, FL 32541-1623 |
| Document Number | 0003784186 |
| Instrument Date | Dec 23, 2024 |
| Instrument | 3784186 |
| Transaction Type | Transfer |
| Record Updated | Dec 03, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 193 WHITE OAK LN, FREEPORT, FL 32439-3351 |
| Name | Verified Name |
|---|---|
| Address | 632 FOURTH ST, DESTIN, FL 32541-1626 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 16, 2023 |
| Property Address | 623 FOURTH ST, DESTIN, FL 32541-1662 |
| Document Number | 0036622443 |
| Book / Page | 3662 / 2443 |
| Instrument Date | Feb 16, 2023 |
| Instrument | 3606682 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 621 FOURTH ST, DESTIN, FL 32541-1623 |
| Name | Verified Name |
|---|---|
| Address | 1914 WHITE OAK LN, DESTIN, FL 32541 |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified July 2026
| 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 | $2,833.00 (+25.02%) | $239,234 (+12.68%) Land $143,818 Building $95,416 | $239,234 (+12.68%) Land $143,818 Building $95,416 |
| 2023 | $2,266.00 (+9.68%) | $212,319 (+11.46%) Land $130,494 Building $81,825 | $212,319 (+11.46%) Land $130,494 Building $81,825 |
| 2022 | $2,066.00 | $190,487 Land $118,631 Building $71,856 | $190,487 Land $118,631 Building $71,856 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 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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