629 Fourth St, Destin, FL 32541 Property Records

Okaloosa County property record for 629 Fourth St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,514 sqft · built 2007
Lot Size	0.275 acres (11,971 sqft)
Owner	2 Individual Names on File
Last Sale	$570,000 (Aug 2020)
Tax Bill	$6,754 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-9594-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-9594-5`
Alternative APNs	`00-2S-22-1361-0005-0120` `22S200136100050120`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,514 sqft Living Area
Gross Area	5,107 sqft
1st Floor Area	1,819 sqft
Upper Floors Area	1,695 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	11,971 sqft (0.275 acres)
Lot Width	88 ft Width
Garage Type	Attached
Garage Area	550 sqft
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	1,043 sqft
Patio Area	207 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	629 FOURTH ST
City	DESTIN
State	FL
Zip	32541-1623
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KELLYS 3RD ADD TO DESTIN LOT 12 BLK 5
Legal Subdivision	KELLYS 3RD ADD
Legal Block	5
Legal Lot Number	12
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1012
Census Tract	23306

Owner

629 Fourth St is owned and occupied by two individuals who bought it in August 2020.

Source: Okaloosa County records, as of December 31, 2025

Owner of Record	2 Individual Names on File
Mailing Address	629 FOURTH ST, DESTIN, FL 32541-1623
Occupancy	Owner Occupied
Owner Type	Individual

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	2 Names on Deed
Last Sale	Aug 6, 2020 · Amount on File
Deed Sale	Aug 6, 2020 · Amount on File
Prior Sale	Jun 8, 2004 · Amount on File
Deed Document Number	20203379583
Deed Book / Page	3481 / 1581
Prior Transfer Date	Aug 15, 2005
Prior Transfer Doc	0026601089
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 6, 2020
Property Address	629 FOURTH ST, DESTIN, FL 32541-1623
Document Number	0034811581
Book / Page	3481 / 1581
Map Reference	MB 2 PG 164
Instrument Date	Aug 3, 2020
Instrument	3379583
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	VINTAGE TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,990.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	725 GULF SHORE DR # DR504B, 725, DESTIN, FL 32541-5428

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	629 FOURTH ST, DESTIN, FL 32541-1623

Mortgage

Document Number	0034811583
Date	Aug 6, 2020
Instrument	3481/1583

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 629 Fourth St was $6,754 with a homeowner's exemption.

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	$6,754.00 Homeowner's exemption	$609,330	$809,471 Land $151,009 Building $658,462
2023	$6,447.00 (+2.3%) Homeowner's exemption	$578,227 (+3%)	$807,022 (+9.78%) Land $137,019 Building $670,003
2022	$6,302.00 Homeowner's exemption	$561,385	$735,114 Land $124,563 Building $610,551

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

Flood

FEMA maps place 629 Fourth St in Zone X, an area of minimal 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 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 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 629 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