3992 Lauren Ct, Destin, FL 32541 Property Records

Okaloosa County property record for 3992 Lauren Ct, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,301 sqft · built 1998
Lot Size	0.281 acres (12,246 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Feb 2026)
Tax Bill	$3,638 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-8460-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-8460-0`
Alternative APN	`00-2S-22-1138-000C-0090`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,301 sqft Heated Area
Gross Area	2,924 sqft
1st Floor Area	2,301 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	12,246 sqft (0.281 acres)
Garage Type	Finished
Garage Area	441 sqft
Porch	Open Porch
Porch Area	112 sqft
Patio Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3992 LAUREN CT
City	DESTIN
State	FL
Zip	32541-2139
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIDDEN PINES S/D LOT 9 BLK C
Legal Range	22
Legal Township	02S
Legal Subdivision	HIDDEN PINES S/D
Legal Block	C
Legal Lot Number	9
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1002
Census Tract	23305

Owner

Source: Okaloosa County records, as of March 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3992 LAUREN CT, DESTIN, FL 32541-2139
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Feb 17, 2020	Deed of Trust, Mortgage · VA Mortgage CENTENNIAL BANK
Dec 14, 2018	Warranty Deed, Transfer · VA Mortgage CENTENNIAL BANK
Apr 28, 2017	Warranty Deed, Transfer · Conventional with PMI BANCORPSOUTH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2026 · Amount on Record
Deed Sale	Feb 13, 2026 · Amount on Record
Prior Sale	Dec 14, 2018 · Amount on Record
Deed Document Number	3798818
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 13, 2026
Property Address	3992 LAUREN CT, DESTIN, FL 32541-2139
Document Number	0003798818
Map Reference	MB 17 PG 30&31
Instrument Date	Feb 12, 2026
Instrument	3798818
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	90 AGRICULTURE LN, PERRY, GA 31069-9865

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3992 LAUREN CT, DESTIN, FL 32541-2139

Mortgage

Document Number	0003798819
Date	Feb 13, 2026
Instrument	3798819

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	3992 LAUREN CT, DESTIN, FL 32541-2139
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034441572
Date	Feb 17, 2020
Book Page	3444/1572
Instrument	3337803

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 14, 2018
Property Address	3992 LAUREN CT, DESTIN, FL 32541-2139
Document Number	0033782407
Book / Page	3378 / 2407
Map Reference	MB 17 PG 30&31
Instrument Date	Dec 12, 2018
Instrument	3248665
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	CUSTOMERS FIRST TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,793.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3992 LAUREN CT, 3992, DESTIN, FL 32541-2139

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3992 LAUREN CT, DESTIN, FL 32541-2139

Mortgage

Document Number	0003248666
Date	Dec 14, 2018
Instrument	3248666

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 28, 2017
Property Address	3992 LAUREN CT, DESTIN, FL 32541-2139
Document Number	0032971619
Book / Page	003297 / 001619
Instrument Date	Apr 21, 2017
Instrument	3131962
Transaction Type	Transfer
Record Updated	May 19, 2017
Title Company	CUSTOMERS FIRST TITLE COMPANY, CUSTOMERS FIRST TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3992 LAUREN CT DESTIN FL 325412139, DESTIN, FL 32541-2139

Mortgage

Document Number	32971621
Date	Apr 28, 2017
Book Page	003297/001621
Instrument	3131963

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-3356

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 27, 2047

Tax Assessment & Valuation

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	$3,638.00 (+5.69%) Homeowner's exemption	$346,253 (+5.99%)	$502,212 (+0.76%) Land $141,268 Building $360,944
2023	$3,442.00 (+2.47%) Homeowner's exemption	$326,694 (+3%)	$498,408 (+12.64%) Land $139,833 Building $358,575
2022	$3,359.00 Homeowner's exemption	$317,179	$442,482 Land $105,934 Building $336,548

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

Flood

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	Hurricane Frances, Sep 2004 · 10 claims Hurricane Georges, Sep 1998 · 10 claims Hurricane Opal, Oct 1995 · 17 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.04% 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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