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CondominiumResidential
$1,750,000$756 / 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 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $1,700,000 on Sep 8, 2026

413 HENDERSON COTTAGE WAY

DESTIN, FL 32541
3
Beds
3.5
Baths
2,315 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.
2024
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$1.8M
$1.7M low$1.8M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,700,000 · Sep 8, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$17,647 (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.$1,490,000 (2025)
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$1,490,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$53,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,490,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.40
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
29
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
92
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
76
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
2
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Condominium
StyleThe architectural style of the home, such as ranch or colonial.Condo/Apartment
CountyOKALOOSA
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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.

M
Destin Middle SchoolA
Middle · Grades 5–8 · 1.0 mi
E
Destin Elementary SchoolA+
Elementary · Grades PK–4 · 3.8 mi
H
Fort Walton Beach High SchoolC+
High · Grades 9–12 · 12.6 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%

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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

413 Henderson Cottage Way 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 98% of homes in Okaloosa County
  • Among the highest price per square foot in Okaloosa County
  • Bigger than 80% of homes in Okaloosa County
  • Among the newest homes in Destin 32541

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$3M

This home is worth more than 93% 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$1,750,000
CheaperTypical $587,893Pricier

Pricier than 93% of homes nearby

Price per ft²$756
CheaperTypical $404Pricier

Pricier than 93% of homes nearby

Living area2,315 ft²
SmallerTypical 1,569 ft²Bigger

Bigger than 76% of homes nearby

Year built2024
OlderTypical 1996Newer

Newer than almost all homes nearby

How 413 Henderson Cottage Way ranks against every home in each area.
MeasureThis homeDestin 32541Okaloosa County
Estimated valuepricier than$1,750,00093% of homes98% of homes
Price per ft²pricier than$75693% of homesalmost all homes
Living areabigger than2,315 ft²76% of homes80% of homes
Year builtnewer than2024almost all homesalmost all homes

About 413 Henderson Cottage Way

How much is 413 Henderson Cottage Way, Destin, FL worth?

The TopHap Estimate for 413 Henderson Cottage Way, Destin, FL is $1,750,000 as of Aug 30, 2026. The likely range is $1,688,805 to $1,811,195. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 413 Henderson Cottage Way, Destin, FL last sell?

413 Henderson Cottage Way, Destin, FL last sold on Sep 8, 2026 for $1,700,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 413 Henderson Cottage Way, Destin, FL?

413 Henderson Cottage Way, Destin, FL has 3 bedrooms, 3.5 bathrooms and 2,315 square feet of living space.

When was 413 Henderson Cottage Way, Destin, FL built?

413 Henderson Cottage Way, Destin, FL was built in 2024, making it 2 years old. It is a condo/apartment home. The building has 1 story.

What schools serve 413 Henderson Cottage Way, Destin, FL?

413 Henderson Cottage Way, Destin, FL is assigned to Destin Middle School (middle), rated A; Destin Elementary School (elementary), 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 413 Henderson Cottage Way, Destin, FL compare to other homes in Destin 32541?

Among the 16,807 homes in Destin 32541, it is worth more than 93% of them ($1,750,000 against a typical $587,893), its price per square foot is higher than 93% of them ($756 against a typical $404), it is bigger than 76% of them (2,315 ft² against a typical 1,569 ft²) and it is newer than almost all of them (2024 against a typical 1996). Measured against all of Okaloosa County, it is worth more than 98% 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 413 Henderson Cottage Way, Destin, FL?

The 2025 property tax bill for 413 Henderson Cottage Way, Destin, FL was $17,647. The county assessed it at $1,490,000.

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