626 Fourth St, Destin, FL 32541 Property Records

Okaloosa County property record for 626 Fourth St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,358 sqft · built 1976
Lot Size	0.257 acres (11,198 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Jun 2026)
Tax Bill	$3,474 (2025)
Deeds & Mortgages	Jun 2026 Sale
Flood Zone	Zone X (moderate risk)
APN	`C56-000-589-9624-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-9624-0`
Alternative APNs	`00-2S-22-1361-0012-0040` `22S200136100120040`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,358 sqft Living Area
Gross Area	1,758 sqft
1st Floor Area	1,358 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	11,198 sqft (0.257 acres)
Lot Width	70 ft Width
Porch	Finished/Open Porch
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	626 FOURTH ST
City	DESTIN
State	FL
Zip	32541-1627
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELLYS 3RD ADD DESTIN LOTS 4 BLK 12
Legal Subdivision	KELLYS 3RD ADD
Legal Block	12
Legal Lot Number	4
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1011
Census Tract	23306

Owner

626 Fourth St is owned by an individual who bought it in June 2026.

Source: Okaloosa County records, as of July 14, 2026

Owner of Record	Individual Name on File
Mailing Address	174 AZALEA DR, DESTIN, FL 32541-2342
Owner Type	Individual
Vesting	Unmarried Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2026 · Amount on File
Deed Sale	Jun 30, 2026 · Amount on File
Prior Sale	Sep 15, 2015 · Amount on File
Deed Document Number	20263825062
Prior Transfer Date	Jan 19, 2001
Prior Transfer Doc	0001817377
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 30, 2026
Property Address	626 FOURTH ST, DESTIN, FL 32541-1627
Document Number	0003825062
Instrument Date	Jun 24, 2026
Instrument	20263825062
Transaction Type	Transfer
Record Updated	Jul 14, 2026
Title Company	MCNEESE TITLE LLC, MCNEESE TITLE

Transaction

Amount	Amount on Record
Tax	$194,425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 AZALEA DR, DESTIN, FL 32541-2342

Tax Assessment & Valuation

The 2025 property tax bill for 626 Fourth St was $3,474.

Source: Okaloosa County assessment roll, as of December 31, 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	$3,474.00	$295,117 Land $145,583 Building $149,534	$295,117 Land $145,583 Building $149,534
2023	$3,107.00 (+8.03%)	$282,359 (+8.1%) Land $132,096 Building $150,263	$282,359 (+8.1%) Land $132,096 Building $150,263
2022	$2,876.00	$261,193 Land $120,087 Building $141,106	$261,193 Land $120,087 Building $141,106

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

Flood

FEMA maps place 626 Fourth St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 626 Fourth St is low, with less than a 0.01% annual chance of 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