Okaloosa County property record for 420 Commodore Point Rd, Destin, FL 32541 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,327 sqft · built 1997 |
| Lot Size | 0.5 acres (21,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,675,000 (Dec 2025) |
| Tax Bill | $9,353 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Dec 2025 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-5578-2 |
| Primary APN | C56-000-589-5578-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,327 sqft Living Area |
| Gross Area | 5,149 sqft |
| 1st Floor Area | 3,327 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete |
| Lot Area | 21,792 sqft (0.5 acres) |
| Garage Type | Attached |
| Garage Area | 759 sqft |
| Porch | Florida Room |
| Porch Area | 579 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 420 COMMODORE POINT RD |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-5308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COMMODORE POINT S/D LOT 155 |
| Legal Subdivision | COMMODORE POINT S/D |
| Legal Block | 1 |
| Legal Lot Number | 155 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 23308 |
Source: Okaloosa County records · APN C56-000-589-5578-2
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 | 655 FOREST SHORE DR, MIRAMAR BEACH, FL 32550-3958 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 19, 2025 | Warranty Deed, Transfer · Closed-End Mortgage FIRST NATIONAL BANK OF DECATUR COUN |
| Aug 11, 2023 | Warranty Deed, Transfer OLD LINE TITLE COMPANY INC, OLD SOUTH LAND TITLE CO INC |
| Nov 19, 2021 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jan 07, 2020 | Warranty Deed, Transfer BANK OF AMERICA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 19, 2025 · Amount on Record |
| Deed Sale | Dec 19, 2025 · Amount on Record |
| Prior Sale | Aug 11, 2023 · Amount on Record |
| Deed Document Number | 20253789832 |
| Prior Transfer Date | Nov 18, 2021 |
| Prior Transfer Doc | 0035881892 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 420 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0036161757 |
|---|---|
| Date | Apr 14, 2022 |
| Book Page | 3616/1757 |
| Instrument | 3542562 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 01, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Dec 19, 2025 |
| Property Address | 420 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Document Number | 0003789832 |
| Map Reference | MB 16 PG 73 |
| Instrument Date | Dec 08, 2025 |
| Instrument | 3789832 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2026 |
| Title Company | EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $11,725.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15100 CONTOY PL, TAMPA, FL 33618-1905 |
| Name | Verified Name |
|---|---|
| Address | 655 FOREST SHORE DR, DESTIN, FL 32550-3958 |
| Document Number | 0003789833 |
|---|---|
| Date | Dec 19, 2025 |
| Instrument | 3789833 |
| Name | FIRST NATIONAL BANK OF DECATUR COUN |
|---|---|
| Type | Bank |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 62 Months |
| Due | Feb 19, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 11, 2023 |
| Property Address | 420 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Document Number | 0036872603 |
| Book / Page | 3687 / 2603 |
| Map Reference | MB 16 PG 73 |
| Instrument Date | Aug 11, 2023 |
| Instrument | 3641071 |
| Transaction Type | Transfer |
| Record Updated | Jan 08, 2026 |
| Title Company | OLD LINE TITLE COMPANY INC, OLD SOUTH LAND TITLE CO INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $10,850.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8278 MOLINA ST, NAVARRE, FL 32566-9347 |
| Name | Verified Name |
|---|---|
| Address | 420 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Nov 19, 2021 |
| Property Address | 420 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Document Number | 0035881892 |
| Book / Page | 3588 / 1892 |
| Map Reference | MB 16 PG 73-76 |
| Instrument Date | Nov 18, 2021 |
| Instrument | 3506838 |
| Transaction Type | Transfer |
| Record Updated | Jan 08, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 420 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 07, 2020 |
| Property Address | 420 COMMODORE POINT RD, DESTIN, FL 32541-5308 |
| Document Number | 0034371195 |
| Book / Page | 003437 / 001195 |
| Instrument Date | Dec 27, 2019 |
| Instrument | 3328582 |
| Transaction Type | Transfer |
| Record Updated | Feb 05, 2020 |
| Title Company | SETCO SERVICES LLC, SETCO SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,923.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 4443 CHEVAL WAY ROSEVILLE CA 957476369, ROSEVILLE, CA 95747-6369 |
| Document Number | 34371200 |
|---|---|
| Date | Jan 07, 2020 |
| Book Page | 003437/001200 |
| Instrument | 3328584 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 06, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.37% |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,353.00 (+3.7%) | $926,949 (+4.08%) | $1,436,129 (+11.58%) Land $457,469 Building $978,660 |
| 2023 | $9,019.00 (+9.14%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $890,633 (+9.7%) | $1,287,142 (+23.38%) Land $402,998 Building $884,144 |
| 2022 | $8,264.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $811,891 | $1,043,229 Land $348,916 Building $694,313 |
Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910233082, refreshed September 2026 · 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 |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 5 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 5 in force 1 of 5 on primary residences |
| Nearby Flood Claims | 3 (1995–2018) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2018, other causes |
| Coastal Barrier Resources System | Yes |
|---|---|
| Unit | P32 “Moreno Point” |
| Unit Type | System Unit |
| Designated | October 18, 1982 |
| NFIP Eligibility | Not eligible (built 1997) 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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