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Single Family ResidenceResidential
$446,513$282 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

3685 FIRST ST

DESTIN, FL 32541
3
Beds
2
Baths
1,582 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1992
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$447K
$391K low$502K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,785 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$403,998 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$143,818
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$260,180
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$399,402
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$403,998

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.48 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.73%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyOkaloosa
Lot (acres)The size of the land the home sits on, from county records.0.20
RoofThe main material covering the roof, such as asphalt shingle or tile.Wood
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Finished
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 144 ft²Porch · 84 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Destin Elementary SchoolA+
Elementary · Grades PK–4 · 0.6 mi
M
Destin Middle SchoolA
Middle · Grades 5–8 · 4.2 mi
H
Fort Walton Beach High SchoolC+
High · Grades 9–12 · 8.7 mi

District: Okaloosa County School District

Neighborhood · ZIP 32541These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.135
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.18

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.62%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.18,561
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,346 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$93,785
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$135,722
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.68 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Owner Tools

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3685 First St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 71% of homes in Okaloosa County
  • Costs more per square foot than 78% of homes in Okaloosa County
  • Has a smaller lot than 75% of homes in Okaloosa County

What homes are worth in Destin 32541

Each bar is how many homes fall in that price range. The marker is this home.

This home
$198K$2.8M

This home is worth more than 32% of homes in Destin 32541.

How it measures up in Destin 32541

The dot is this home. The mark in the middle is the typical home in Destin 32541.

Estimated value$446,513
CheaperTypical $586,059Pricier

Pricier than 32% of homes nearby

Price per ft²$282
CheaperTypical $399Pricier

Pricier than 25% of homes nearby

Living area1,582 ft²
SmallerTypical 1,580 ft²Bigger

Bigger than 50% of homes nearby

Lot size0.2 ac
SmallerTypical 0.41 acBigger

Bigger than 31% of homes nearby

Year built1992
OlderTypical 1996Newer

Newer than 42% of homes nearby

How 3685 First St ranks against every home in each area.
MeasureThis homeDestin 32541Okaloosa County
Estimated valuepricier than$446,51332% of homes71% of homes
Price per ft²pricier than$28225% of homes78% of homes
Living areabigger than1,582 ft²50% of homes47% of homes
Lot sizebigger than0.2 ac31% of homes25% of homes
Year builtnewer than199242% of homes51% of homes

About 3685 First St

How much is 3685 First St, Destin, FL worth?

The TopHap Estimate for 3685 First St, Destin, FL is $446,513 as of Sep 24, 2026. The likely range is $390,617 to $502,409. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 3685 First St, Destin, FL?

3685 First St, Destin, FL has 3 bedrooms, 2 bathrooms, 1,582 square feet of living space and a 0.20-acre lot.

When was 3685 First St, Destin, FL built?

3685 First St, Destin, FL was built in 1992, making it 34 years old. The building has 1 story.

What schools serve 3685 First St, Destin, FL?

3685 First St, Destin, FL is assigned to Destin Elementary School (elementary), rated A+; Destin Middle School (middle), rated A; Fort Walton Beach High School (high), rated C+. All sit in Okaloosa County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3685 First St, Destin, FL compare to other homes in Destin 32541?

Among the 16,806 homes in Destin 32541, it is worth more than 32% of them ($446,513 against a typical $586,059), its price per square foot is higher than 25% of them ($282 against a typical $399), it is bigger than 50% of them (1,582 ft² against a typical 1,580 ft²), its lot is bigger than 31% of them (0.2 ac against a typical 0.41 ac) and it is newer than 42% of them (1992 against a typical 1996). Measured against all of Okaloosa County, it is worth more than 71% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3685 First St, Destin, FL?

The 2025 property tax bill for 3685 First St, Destin, FL was $4,785. The county assessed it at $403,998.

More homes on First St

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Assigned schools

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