Okaloosa County property record for 4040 Dancing Cloud Ct, Unit 325, Destin, FL 32541 · Last verified July 2026
| Property Type | Condominium |
|---|---|
| Details | 1 bd · 1 ba · 920 sqft · built 2003 |
| Lot Size | 17 acres (775,514 sqft) |
| Owner | Individual Name on File |
| Last Sale | $187,000 (Apr 2026) |
| Tax Bill | $322 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-598-8990-7 |
| Primary APN | C56-000-598-8990-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Units | 25 Units |
| Stories | 3 Stories |
| Building Area | 920 sqft Living Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Condo/Apartment |
| Lot Area | 775,514 sqft (17 acres) |
| Street Address | 4040 DANCING CLOUD CT, 325 |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-8576 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | INDIAN LAKE CONDO UNIT 325 BLDG 11 |
| Legal Subdivision | INDIAN LAKE CONDO |
| Legal Block | 11 |
| Legal Lot Number | 325 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 23304 |
Source: Okaloosa County records · APN C56-000-598-8990-7
Assessment roll updated December 31, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 141 SEA OATS DR, PANAMA CITY BEACH, FL 32413-5714 |
| Owner Type | Individual |
| Vesting | Single Woman |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 01, 2026 · Amount on Record |
| Deed Sale | Apr 01, 2026 · Amount on Record |
| Prior Sale | Jan 11, 2006 · Amount on Record |
| Deed Document Number | 20263808095 |
| Prior Transfer Date | May 05, 2025 |
| Prior Transfer Doc | 0003754888 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Apr 01, 2026 |
| Property Address | 4040 DANCING CLOUD CT, 325, DESTIN, FL 32541-8576 |
| Document Number | 0003808095 |
| Instrument Date | Mar 26, 2026 |
| Instrument | 20263808095 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | FLORIDA R/E TITLE LLC, FLORIDA OPEN TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $132,209.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 141 SEA OATS DR, PANAMA CITY BEACH, FL 32413-5714 |
| Document Number | 0003808096, |
|---|---|
| Date | Apr 01, 2026 |
| Instrument | 20263808096 |
| Name | GARDNER FINANCIAL SERVICES |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 01, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.35% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $322.00 (+4.89%) | $61,015 (+5.99%) | $190,000 (+18.75%) Building $190,000 |
| 2023 | $307.00 (+1.99%) Homeowner's exemption | $57,568 (+3%) | $160,000 (+7.38%) Building $160,000 |
| 2022 | $301.00 Homeowner's exemption | $55,891 | $149,000 Building $149,000 |
Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910233042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 43 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 576 units insured 533 under condo master policies |
| Nearby Flood Claims | 106 (1978–2020) |
| Claims Outside the SFHA | 69 of 106 |
| Most Recent Claim | Sep 2020, tidal / storm surge, Hurricane Sally |
| Claims By Storm |
|
| Wildfire Risk | Low above 2% of the US · above 2% of Florida |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 284 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| LiveOak Fiber | Fiber | 5,000 / 5,000 |
| Cox Communications | Cable | 2,000 / 35 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
May also be available at this address: AT&T, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.
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