Okaloosa County property record for 728 Beach Dr, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,439 sqft · built 1976 |
| Lot Size | 0.792 acres (34,536 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $14,420 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9513-5 |
| Primary APN | C56-000-589-9513-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,439 sqft Heated Area |
| Gross Area | 4,012 sqft |
| 1st Floor Area | 2,276 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 34,536 sqft (0.792 acres) |
| Lot Width | 105 ft Width |
| Garage Type | Finished |
| Garage Area | 504 sqft |
| Porch | Open Porch |
| Porch Area | 680 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 728 BEACH DR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RESUB OF KELLYS ADD TO DESTIN LOTS 9 & 10 & N5 FT LOT 11 BLK 4 |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | KELLYS ADD |
| Legal Block | 4 |
| Legal Lot Number | 9,10 10 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 23306 |
728 Beach Dr is owned and occupied by an individual who acquired it in June 2023.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 728 BEACH DR, DESTIN, FL 32541-1607 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2023 |
| Deed Sale | Jun 1, 2023 |
| Deed Document Number | 0036774256 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 728 Beach Dr was $14,420.
Source: Okaloosa County assessment roll, as of July 1, 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 | $14,420.00 | $1,217,571 Land $877,950 Building $339,621 | $1,217,571 Land $877,950 Building $339,621 |
| 2023 | $14,170.00 (+283.28%) | $1,186,217 (+243.09%) Land $844,181 Building $342,036 | $1,186,217 (+12.81%) Land $844,181 Building $342,036 |
| 2022 | $3,697.00 Homeowner's exemption Widower's exemption | $345,750 | $1,051,513 Land $730,892 Building $320,621 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 728 Beach Dr in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 76 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 136 units insured incl. 60 condo units |
| Nearby Flood Claims | 95 (1994–2020) |
| Claims Outside the SFHA | 64 of 95 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| 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.
Wildfire risk around 728 Beach Dr 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.
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 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 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures