Okaloosa County property record for 414 Commodore Point Rd, Destin, FL 32541 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 6 Beds |
| Bathrooms | 6 Baths |
| Year Built | Built 2019 |
| Square Footage | 4,730 sqft Living Area |
| Lot Size | 20,750 sqft (0.476 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $245,000 (2018) |
| Tax Bill | $19,259.00 (2025) |
Source: Okaloosa County records · APN C56-000-589-5581-6
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 414 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 30, 2025 | Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK OF MISSISSIPPI |
| Sep 28, 2018 | Deed of Trust, Mortgage · Commercial Mortgage FIRST FLORIDA BANK |
| May 07, 2019 | Deed of Trust, Mortgage · Building or Construction Mortgage WHITNEY BANK |
| Jan 09, 2020 | Deed of Trust, Mortgage · Line of Credit PROGRESS BANK & TRUST |
| Oct 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Sep 23, 2019 | Loan Modification, Mortgage HANCOCK WHITNEY BK |
| May 08, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 08, 2018 · Amount on Record |
| Deed Sale | May 08, 2018 · Amount on Record |
| Deed Doc Number | 20183205663 |
| Deed Book / Page | 3349 / 1617 |
| Prior Transfer Date | Mar 18, 2002 |
| Prior Transfer Doc | 0001909816 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 414 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 414 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Document Number | 0003775373 |
|---|---|
| Date | Sep 30, 2025 |
| Instrument | 3775373 |
| Name | COMMUNITY BANK OF MISSISSIPPI |
|---|---|
| Type | Bank |
| Address | FLOWOOD, MS 39232 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 414 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0033691916 |
|---|---|
| Date | Sep 28, 2018 |
| Book Page | 3369/1916 |
| Instrument | 3235095 |
| Name | FIRST FLORIDA BANK |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32541 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 414 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0033974940 |
|---|---|
| Date | May 07, 2019 |
| Book Page | 3397/4940 |
| Instrument | 3276095 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | GULFPORT, MS 39502 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Jun 01, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.87% |
| Index | 1-Year LIBOR |
| Max Rate | 8.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 414 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0034373621 |
|---|---|
| Date | Jan 09, 2020 |
| Book Page | 3437/3621 |
| Instrument | 3329183 |
| Name | PROGRESS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32541 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 414 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 414 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Document Number | 0035831826 |
|---|---|
| Date | Oct 28, 2021 |
| Book Page | 3583/1826 |
| Instrument | 3500454 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 414 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Document Number | 0034231470 |
| Instrument Date | Sep 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 414 COMMODORE POINT RD DESTIN FL 325415308, DESTIN, FL 32541-5308 |
| Document Number | 0034231470 |
|---|---|
| Date | Oct 10, 2019 |
| Book Page | 003423/001470 |
| Instrument | 3310356 |
| Name | HANCOCK WHITNEY BK |
|---|---|
| Address | PO BOX 2026, FLINT, MI 48501-2026 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 09, 2049 |
| Rate | 3.75% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 08, 2018 |
| Property Address | 414 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Document Number | 0033491617 |
| Book / Page | 003349 / 001617 |
| Instrument Date | May 07, 2018 |
| Instrument | 3205663 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,715.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | PO BOX 2919 ORANGE BEACH AL 365612919, ORANGE BEACH, AL 36561-2919 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $19,259.00 (+4.95%) Homeowner's exemption | $1,868,905 (+5.99%) | $1,973,599 (+11.92%) Land $457,469 Building $1,516,130 |
| 2023 | $18,350.00 (+25.35%) Homeowner's exemption | $1,763,334 (+18.94%) Land $402,998 Building $1,360,336 | $1,763,334 (+18.94%) Land $402,998 Building $1,360,336 |
| 2022 | $14,639.00 | $1,482,601 Land $348,916 Building $1,133,685 | $1,482,601 Land $348,916 Building $1,133,685 |
Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · USFWS Coastal Barrier Resources System, December 19, 2024 release · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Coastal Barrier Resources System | Yes |
|---|---|
| Unit | P32 “Moreno Point” |
| Unit Type | System Unit |
| Designated | October 18, 1982 |
| NFIP Eligibility | Not eligible (built 2019) built after the October 1, 1983 cutoff · private flood insurance only |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | C56-000-589-5581-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 6 Baths |
| Building Area | 4,730 sqft Living Area |
| Gross Area | 6,910 sqft Gross Area |
| 1st Floor | 3,584 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Custom/Decorative Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Wood Exterior |
| Roof Construction | Cathedral/Clerestory Roof Construction |
| Roof Material | Tile Roof |
| Lot Area | 20,750 sqft (0.476 acres) |
| Driveway | Driveway |
| Garage Type | Attached Garage |
| Garage Area | 852 sqft Garage |
| Porch Area | 1,328 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 414 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 158 |
| Legal Subdivision | COMMODORE POINT S/D |
| Legal Block | 1 |
| Legal Lot Number | 158 |
| Jurisdiction | OKALOOSA FL |
| Minor Civil Division | FORT WALTON BEACH |
| Census Blockgroup | 2 |
| Census Block | 2001 |
| Census Tract | 23308 |
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