Okaloosa County property record for 804 Mars St, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,508 sqft · built 1982 |
| Lot Size | 0.685 acres (29,848 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $940,000 (May 2026) |
| Tax Bill | $3,311 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage May 2023 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-590-0075-2 |
| Primary APN | C56-000-590-0075-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 3,508 sqft Living Area |
| Gross Area | 4,112 sqft |
| 1st Floor Area | 3,508 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 29,848 sqft (0.685 acres) |
| Lot Width | 114 ft Width |
| Garage Type | Attached |
| Garage Area | 384 sqft |
| Driveway | Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 804 MARS ST |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MORENO ACRES LOT 6 BLK A |
| Legal Subdivision | MORENO ACRES |
| Legal Block | A |
| Legal Lot Number | 6 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 23305 |
Source: Okaloosa County records, as of June 8, 2026
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 | 4207 INDIAN BAYOU TRL, 21002, DESTIN, FL 32541-4361 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 29, 2026 | Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND |
| May 24, 2023 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Jan 9, 2018 | Deed of Trust, Mortgage · Commercial Mortgage CENTENNIAL BANK |
| Dec 10, 2019 | Deed of Trust, Mortgage · Line of Credit SYNOVUS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 29, 2026 · Amount on Record |
| Deed Sale | May 29, 2026 · Amount on Record |
| Deed Document Number | 20263819373 |
| Prior Transfer Date | May 10, 2023 |
| Prior Transfer Doc | 0036762132 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 29, 2026 |
| Property Address | 804 MARS ST, DESTIN, FL 32541-1823 |
| Document Number | 0003819373 |
| Instrument Date | May 29, 2026 |
| Instrument | 20263819373 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2026 |
| Title Company | EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $664,580.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4207 INDIAN BAYOU TRL, 21002, DESTIN, FL 32541-4361 |
| Investor | Possibly a Property Investor |
| Document Number | 0003819374, |
|---|---|
| Date | May 29, 2026 |
| Instrument | 20263819374 |
| Name | BANK OF ENGLAND |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 24, 2023 |
| Property Address | 804 MARS ST, DESTIN, FL 32541-1823 |
| Document Number | 0036762132 |
| Book / Page | 3676 / 2132 |
| Map Reference | MB 2 PG 165 |
| Instrument Date | May 10, 2023 |
| Instrument | 3625685 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1185, DESTIN, FL 32540-1185 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | PO BOX 1185, DESTIN, FL 32540-1185 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 804 MARS ST, DESTIN, FL 32541-1823 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033324610 |
|---|---|
| Date | Jan 9, 2018 |
| Book Page | 3332/4610 |
| Instrument | 3182014 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32541 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 35 Months |
| Due | Dec 22, 2020 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 804 MARS ST, DESTIN, FL 32541-1823 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034324565 |
|---|---|
| Date | Dec 10, 2019 |
| Book Page | 3432/4565 |
| Instrument | 3323254 |
| Name | SYNOVUS BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, GA 31901 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $3,311.00 (+17.12%) Homeowner's exemption | $318,638 (+15.78%) | $640,132 (+5.67%) Land $185,619 Building $454,513 |
| 2023 | $2,827.00 (+2.58%) Homeowner's exemption | $275,202 (+3%) | $605,759 (+7.18%) Land $168,422 Building $437,337 |
| 2022 | $2,756.00 Homeowner's exemption | $267,186 | $565,199 Land $153,111 Building $412,088 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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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