809 N Lakeside Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 809 N Lakeside Dr, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,469 sqft · built 1980
Lot Size	0.238 acres (10,380 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Jan 2020)
Tax Bill	$5,689 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Mar 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-4869-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-4869-4`
Alternative APN	`00-2S-22-4510-000C-0040`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	1 Story
Building Area	3,469 sqft Heated Area
Gross Area	3,564 sqft
1st Floor Area	3,469 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	10,380 sqft (0.238 acres)
Lot Width	80 ft Width
Porch	Open Porch
Porch Area	65 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	809 N LAKESIDE DR
City	DESTIN
State	FL
Zip	32541-2039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESIDE VILLAGE LOT 4 BLK C
Legal Range	22
Legal Township	02S
Legal Subdivision	LAKESIDE VILLAS
Legal Block	C
Legal Lot Number	4
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2001
Census Tract	23305

Owner

809 N Lakeside Dr is owned and occupied by an individual who bought it in January 2020.

Source: Okaloosa County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	809 N LAKESIDE DR, DESTIN, FL 32541-2039
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

Date	Document
Jan 29, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERIS BK
Mar 20, 2018	Warranty Deed, Transfer MAIN STREET LAND TITLE COMPANY, MAIN STREET LAND TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2020 · Amount on File
Deed Sale	Jan 29, 2020 · Amount on File
Prior Sale	Mar 20, 2018 · Amount on File
Deed Document Number	0034411218
Deed Book / Page	3441 / 1218
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	809 N LAKESIDE DR, DESTIN, FL 32541-2039
Instrument Date	Jan 29, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 N LAKESIDE DR DESTIN FL 325412039, DESTIN, FL 32541-2039

Mortgage

Document Number	34411225
Date	Jan 29, 2020
Book Page	003441/001225
Instrument	3333765

Lender

Name	AMERIS BK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 20, 2018
Property Address	809 N LAKESIDE DR, DESTIN, FL 32541-2039
Document Number	0033414183
Book / Page	003341 / 004183
Instrument Date	Mar 15, 2018
Instrument	3195023
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	MAIN STREET LAND TITLE COMPANY, MAIN STREET LAND TITLE CO

Transaction

Amount	Amount on Record
Tax	$2,105.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	504 TIKELL DR CRESTVIEW FL 325365427, CRESTVIEW, FL 32536-5427

Tax Assessment & Valuation

The 2025 property tax bill for 809 N Lakeside Dr was $5,689 with a homeowner's exemption.

Source: Okaloosa County assessment roll, as of July 1, 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	$5,689.00 Homeowner's exemption	$519,436 Land $114,387 Building $405,049	$519,436 Land $114,387 Building $405,049
2023	$5,483.00 (+2.35%) Homeowner's exemption	$497,523 (+3%)	$515,948 (+6.81%) Land $103,789 Building $412,159
2022	$5,357.00 Homeowner's exemption	$483,032 Land $94,354 Building $388,678	$483,032 Land $94,354 Building $388,678

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

Flood

FEMA maps place 809 N Lakeside Dr 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 100 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	100 in force
Nearby Flood Claims	29 (1995–2021)
Claims Outside the SFHA	25 of 29
Most Recent Claim	Apr 2021 · other causes
Claims by Event	Hurricane Dennis, Jul 2005 · 5 claims Hurricane Frances, Sep 2004 · 7 claims Hurricane Georges, Sep 1998 · 7 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 809 N Lakeside Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 317 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

May also be available: T-Mobile.

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