Okaloosa County property record for 412 Commodore Point Rd, Destin, FL 32541 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1999 |
| Square Footage | 3,384 sqft Living Area |
| Lot Size | 21,034 sqft (0.483 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $775,000 (2019) |
| Tax Bill | $13,485.00 (2025) |
| Primary APN | C56-000-589-5582-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,384 sqft Living Area |
| Gross Area | 4,515 sqft Gross Area |
| 1st Floor | 3,384 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Wood Exterior |
| Roof Construction | Cathedral/Clerestory Roof Construction |
| Roof Material | Concrete Roof |
| Lot Area | 21,034 sqft (0.483 acres) |
| Driveway | Driveway |
| Garage Type | Attached Garage |
| Garage Area | 786 sqft Garage |
| Porch Area | 345 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 412 COMMODORE POINT RD |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-5308 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | COMMODORE POINT S/D LOT 159 |
| Legal Subdivision | COMMODORE POINT S/D |
| Legal Block | 1 |
| Legal Lot Number | 159 |
| Jurisdiction | OKALOOSA FL |
| Minor Civil Division | FORT WALTON BEACH |
| Census Blockgroup | 2 |
| Census Block | 2001 |
| Census Tract | 23308 |
Source: Okaloosa County records · APN C56-000-589-5582-4
Assessment roll updated December 31, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 412 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 22, 2019 | Warranty Deed, Transfer · Adjustable Rate Mortgage (ARM) RENASANT BANK |
| Mar 27, 2018 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Mar 27, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 22, 2019 · Amount on Record |
| Deed Sale | May 22, 2019 · Amount on Record |
| Prior Sale | Mar 27, 2018 · Amount on Record |
| Deed Doc Number | 20193279320 |
| Deed Book / Page | 3400 / 927 |
| Prior Transfer Date | Jun 18, 2014 |
| Prior Transfer Doc | 0031583672 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 22, 2019 |
| Property Address | 412 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Document Number | 0034000927 |
| Book / Page | 3400 / 0927 |
| Map Reference | MB 16 PG 73-76 |
| Instrument Date | May 17, 2019 |
| Instrument | 3279320 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | MCGILL ESCROW & TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,425.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 68 BLUFFTON CT, 68, SAINT AUGUSTINE, FL 32092-1146 |
| Name | Verified Name |
|---|---|
| Address | 4311 S SHADOW MIST LN, SUGAR LAND, TX 77479-4572 |
| Document Number | 0034000933 |
|---|---|
| Date | May 22, 2019 |
| Instrument | 3400-0933 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Jun 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9% |
| Index | 1-Year LIBOR |
| Max Rate | 9% |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 27, 2018 |
| Property Address | 412 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Document Number | 0033430289 |
| Book / Page | 003343 / 000289 |
| Instrument Date | Mar 26, 2018 |
| Instrument | 3196896 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 27, 2018 |
| Property Address | 412 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Document Number | 0033430300 |
| Book / Page | 003343 / 000300 |
| Instrument Date | Mar 26, 2018 |
| Instrument | 3196899 |
| Transaction Type | Transfer |
| Record Updated | Apr 05, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,110.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 412 COMMODORE POINT RD DESTIN FL 325415308, DESTIN, FL 32541-5308 |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified April 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,485.00 (+16.12%) Homeowner's exemption | $1,319,912 (+6.76%) | $1,379,718 (+11.59%) Land $457,469 Building $922,249 |
| 2023 | $11,613.00 (+14.53%) | $1,236,380 (+20.24%) Land $402,998 Building $833,382 | $1,236,380 (+20.24%) Land $402,998 Building $833,382 |
| 2022 | $10,140.00 | $1,028,222 Land $348,916 Building $679,306 | $1,028,222 Land $348,916 Building $679,306 |
412 Commodore Point Rd is in FEMA Zone X, outside the Special Flood Hazard Area, in Coastal Barrier Resources unit P32, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Okaloosa County (12091C), updated March 8, 2021
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USFWS Coastal Barrier Resources System · December 19, 2024 release
| Coastal Barrier Resources System | Yes Unit P32 “Moreno Point” · System Unit · added October 18, 1982 |
|---|---|
| Federal Flood Insurance | Not eligible (built 1999) NFIP excludes structures built or substantially improved after October 1, 1983 (CBRA) · private flood insurance only |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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