Okaloosa County property record for 628 Fourth St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,304 sqft · built 1979 |
| Lot Size | 0.316 acres (13,785 sqft) |
| Owner | Owner Name on File |
| Last Sale | $92,500 (Jul 1999) |
| Tax Bill | $578 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9625-7 |
| Primary APN | C56-000-589-9625-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,304 sqft Heated Area |
| Gross Area | 1,742 sqft |
| 1st Floor Area | 1,304 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Exterior Material | Stone |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,785 sqft (0.316 acres) |
| Lot Width | 85 ft Width |
| Garage Type | Finished |
| Garage Area | 260 sqft |
| Porch | Open Porch |
| Porch Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 628 FOURTH ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KELLYS 3RD ADD DESTIN LOT 5 BLK 12 |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | KELLYS 3RD ADDN TO DESTIN |
| Legal Block | 12 |
| Legal Lot Number | 5 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 23306 |
Source: Okaloosa County records · APN C56-000-589-9625-7
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 628 FOURTH ST, DESTIN, FL 32541-1627 |
| Occupancy | Owner Occupied |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 16, 1999 · Amount on Record |
| Deed Sale | Jul 16, 1999 · Amount on Record |
| Deed Document Number | 0002217886 |
| Deed Book / Page | 2217 / 886 |
| Last Transfer Date | Jul 20, 1999 |
| Transfer Doc | 0022170886 |
| Record Updated | Jun 08, 2026 |
Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $578.00 (+12.02%) Homeowner's exemption Additional exemption filed | $110,861 (+5.99%) | $283,385 (+5.32%) Land $145,583 Building $137,802 |
| 2023 | $516.00 (+5.74%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $104,599 (+3%) | $269,081 (+8.16%) Land $132,096 Building $136,985 |
| 2022 | $488.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed | $101,552 | $248,775 Land $120,087 Building $128,688 |
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 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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