413 Windjammer Ct, Destin, FL 32541 Property Records

Okaloosa County property record for 413 Windjammer Ct, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,417 sqft · built 2000
Lot Size	0.449 acres (19,562 sqft)
Owner	Trust Name on Record
Last Sale	$645,000 (Mar 2019)
Tax Bill	$7,994 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-5548-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-5548-5`
Alternative APN	`00-2S-22-0515-0000-1250`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,417 sqft Heated Area
Gross Area	3,574 sqft
1st Floor Area	2,417 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete Tile
Lot Area	19,562 sqft (0.449 acres)
Garage Type	Finished
Garage Area	759 sqft
Porch	Open Porch
Porch Area	398 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	413 WINDJAMMER CT
City	DESTIN
State	FL
Zip	32541-5323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMMODORE POINT S/D LOT 125
Legal Range	22
Legal Township	02S
Legal Subdivision	COMMODORE POINT S/D
Legal Lot Number	125
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2001
Census Tract	23308

Owner

Source: Okaloosa County records, as of December 8, 2025

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

Owner of Record	Trust Name on Record
Co-owner	Co-owner on Record
Mailing Address	413 WINDJAMMER CT, DESTIN, FL 32541-5323
Occupancy	Owner Occupied
Owner Type	Individual, Secondary Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage RENASANT BANK
Mar 18, 2019	Warranty Deed, Transfer · ARM RENASANT BANK
Mar 22, 2018	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK/TALLAHASSEE
Dec 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2019 · Amount on Record
Deed Sale	Mar 18, 2019 · Amount on Record
Prior Sale	Oct 11, 2012 · Amount on Record
Deed Document Number	3265112
Deed Book / Page	3389 / 2252
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	413 WINDJAMMER CT, DESTIN, FL 32541-5323
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 WINDJAMMER CT, DESTIN, FL 32541-5323

Mortgage

Document Number	0035411933
Date	Apr 22, 2021
Book Page	3541/1933
Instrument	3448770

Lender

Name	RENASANT BANK
Type	Bank
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 18, 2019
Property Address	413 WINDJAMMER CT, DESTIN, FL 32541-5323
Document Number	0033892252
Book / Page	3389 / 2252
Map Reference	MB 16 PG 73-76
Instrument Date	Mar 15, 2019
Instrument	3265112
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	RODGERS KIEFER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,515.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	844 VALLEY AVE, 844, BIRMINGHAM, AL 35209

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	413 WINDJAMMER CT, DESTIN, FL 32541-5323

Mortgage

Document Number	0003265114
Date	Mar 18, 2019
Instrument	3265114

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	10%
Index	1-Year LIBOR
Max Rate	10%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	413 WINDJAMMER CT, DESTIN, FL 32541-5323
Document Number	0033442923
Instrument Date	Mar 22, 2018
Transaction Type	Mortgage
Record Updated	Apr 16, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	413 WINDJAMMER CT DESTIN FL 325415323, DESTIN, FL 32541-5323

Mortgage

Document Number	0033442923
Date	Apr 5, 2018
Book Page	003344/002923
Instrument	3198804

Lender

Name	SUNTRUST BK/TALLAHASSEE
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2048

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	413 WINDJAMMER CT, DESTIN, FL 32541-5323
Document Number	0033321270
Book / Page	003332 / 001270
Instrument Date	Dec 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 22, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	413 WINDJAMMER CT DESTIN FL 325415323, DESTIN, FL 32541-5323

Mortgage

Document Number	0033321270
Date	Jan 4, 2018
Book Page	003332/001270
Instrument	3181042

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 3, 2048

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,994.00 (+14.51%)	$824,257 (+12.02%) Land $235,637 Building $588,620	$824,257 (+12.02%) Land $235,637 Building $588,620
2023	$6,981.00 (+12.78%)	$735,798 (+17.09%) Land $207,579 Building $528,219	$735,798 (+17.09%) Land $207,579 Building $528,219
2022	$6,190.00	$628,428 Land $188,709 Building $439,719	$628,428 Land $188,709 Building $439,719

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1995–2018)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2018 · other causes

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	P32 “Moreno Point”
Unit Type	System Unit
Designated	Oct 18, 1982
NFIP Eligibility	Not eligible (built 2000) built after the Oct 1, 1983 cutoff · private flood insurance only

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	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	3 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 150 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Wildstar Networks.

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