Okaloosa County property record for 705 Main St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,824 sqft · built 1974 |
| Lot Size | 0.686 acres (29,900 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $259,300 (Feb 2015) |
| Tax Bill | $2,435 (2025) |
| Deeds & Mortgages | Jun 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-001-062-2273-0 |
| Primary APN | C56-001-062-2273-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,824 sqft Living Area |
| Gross Area | 3,188 sqft |
| 1st Floor Area | 912 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 29,900 sqft (0.686 acres) |
| Garage Type | Attached |
| Garage Area | 650 sqft |
| Driveway | Driveway |
| Porch | Open/Unfinished Porch |
|---|---|
| Porch Area | 362 sqft |
| Patio Area | 352 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 705 MAIN ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1816 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RAPPAZINI ESTATES LOT 2 |
| Legal Subdivision | RAPPAZINI ESTATES |
| Legal Lot Number | 2 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 23305 |
Source: Okaloosa County records, as of December 31, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 705 MAIN ST, DESTIN, FL 32541-1816 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 13, 2015 · Amount on Record |
| Deed Sale | Feb 13, 2015 · Amount on Record |
| Deed Document Number | 20152978404 |
| Deed Book / Page | 3184 / 1729 |
| Prior Transfer Date | Dec 11, 2008 |
| Prior Transfer Doc | 0028713385 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 705 MAIN ST, DESTIN, FL 32541-1816 |
| Document Number | 0034054151 |
| Instrument Date | Jun 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 705 MAIN ST DESTIN FL 325411816, DESTIN, FL 32541-1816 |
| Document Number | 0034054151 |
|---|---|
| Date | Jun 25, 2019 |
| Book Page | 003405/004151 |
| Instrument | 3287026 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 24, 2034 |
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,435.00 (+6.01%) Homeowner's exemption | $244,657 (+5.99%) | $402,809 (+3.88%) Land $185,619 Building $217,190 |
| 2023 | $2,297.00 (+2.68%) Homeowner's exemption | $230,837 (+3%) | $387,753 (+7.85%) Land $168,422 Building $219,331 |
| 2022 | $2,237.00 Homeowner's exemption | $224,114 | $359,541 Land $153,111 Building $206,430 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 156 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 258 units insured incl. 102 condo units |
| Nearby Flood Claims | 65 (1991–2021) |
| Claims Outside the SFHA | 43 of 65 |
| Most Recent Claim | Jun 2021 · other causes |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 220 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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