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623 Mountain Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 623 Mountain Dr, Destin, FL 32541 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,128 sqft · built 1975
Lot Size0.224 acres (9,775 sqft)
Owner2 Individual Names on File
Last Sale$315,000 (Oct 2020)
Tax Bill$3,636 (2025)
Deeds & MortgagesOct 2020 Sale & Mortgage
Jul 2020 Transfer
Flood ZoneZone X (minimal risk)
APNC56-000-590-4033-7

Property Details

APN / Parcel Number

Primary APNC56-000-590-4033-7
Alternative APNs
  • 00-2S-22-3081-000D-0050
  • 22S2003081000D0050

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,128 sqft Living Area
Gross Area2,584 sqft
1st Floor Area2,128 sqft
FlooringVinyl/Resilient
Interior WallsCustom/Decorative

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 1975
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialWood
Lot Area9,775 sqft (0.224 acres)
Lot Width85 ft Width
Garage TypeAttached
Garage Area336 sqft
PorchFinished/Open Porch
Porch Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address623 MOUNTAIN DR
CityDESTIN
StateFL
Zip32541-2427
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSEA HILLS 1ST LOT 5 BLK D
Legal SubdivisionSEA HILLS
Legal BlockD
Legal Lot Number5
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group2
Census Block2012
Census Tract23307

Owner

Source: Okaloosa County records · APN C56-000-590-4033-7

Assessment roll updated December 31, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address623 MOUNTAIN DR, DESTIN, FL 32541-2427
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 21, 2020Warranty Deed, Transfer · Conventional Mortgage
NAVY FCU
Jul 13, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 21, 2020 · Amount on Record
Deed SaleOct 21, 2020 · Amount on Record
Deed Document Number20203400610
Deed Book / Page3499 / 4934
Prior Transfer DateApr 26, 2010
Prior Transfer Doc0029341907
Record UpdatedJun 08, 2026

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateOct 21, 2020
Property Address623 MOUNTAIN DR, DESTIN, FL 32541-2427
Document Number0034994934
Book / Page3499 / 4934
Map ReferenceMB 5 PG 35
Instrument DateOct 16, 2020
Instrument3400610
Transaction TypeTransfer
Record UpdatedFeb 07, 2021
Title CompanyEMERALD COAST TITLE SVCS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,205.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address439 STEWART DR, 439, DEFUNIAK SPRINGS, FL 32433-8904

Transferred To (Grantee/Buyer)

NameVerified Name
Address623 MOUNTAIN DR, DESTIN, FL 32541-2427

Mortgage

Document Number34994936
DateOct 21, 2020
Instrument3499/4936
Lender
NameNAVY FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2050

July 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOKALOOSA FL
Recording DateJul 13, 2020
Property Address623 MOUNTAIN DR, DESTIN, FL 32541-2427
Document Number0034750440
Book / Page003475 / 000440
Instrument DateJun 08, 2020
Instrument3372699
Transaction TypeTransfer
Record UpdatedAug 21, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address439 STEWART DR DEFUNIAK SPRINGS FL 324338904, DEFUNIAK SPRINGS, FL 32433-8904

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
MunicipalityDestin City
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,636.00 (-2.39%) Homeowner's exemption Widower's exemption$351,056 (+4.92%) Land $108,854 Building $242,202$351,056 (+4.92%) Land $108,854 Building $242,202
2023$3,725.00 (+7.75%)$334,585 (+7.48%) Land $98,769 Building $235,816$334,585 (+7.48%) Land $98,769 Building $235,816
2022$3,457.00$311,288 Land $89,790 Building $221,498$311,288 Land $89,790 Building $221,498

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910233072, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 21 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies21 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 584 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
LiveOak FiberFiber5,000 / 5,000
AT&TFiber5,000 / 5,000
Cox CommunicationsCable2,000 / 35
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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