Okaloosa County property record for 424 Primrose Cir, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,812 sqft · built 1985 |
| Lot Size | 0.296 acres (12,892 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $66,944 (Dec 2017) |
| Tax Bill | $1,152 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-8100-2 |
| Primary APN | C56-000-589-8100-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,812 sqft Living Area |
| Gross Area | 1,852 sqft |
| 1st Floor Area | 1,812 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,892 sqft (0.296 acres) |
| Porch | Finished/Open Porch |
| Porch Area | 40 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 424 PRIMROSE CIR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2232 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GULF MANOR 1ST ADD LOT 13 BLK E |
| Legal Subdivision | GULF MANOR 1ST ADD |
| Legal Block | E |
| Legal Lot Number | 13 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 23306 |
424 Primrose Cir is owned and occupied by two individuals who bought it in December 2017.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 424 PRIMROSE CIR, DESTIN, FL 32541-2232 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 19, 2020 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 6, 2019 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Dec 27, 2017 | Quit Claim Deed, Transfer · VA Mortgage FIRST FLORIDA BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 27, 2017 · Amount on File |
| Deed Sale | Dec 27, 2017 · Amount on File |
| Deed Document Number | 20173179533 |
| Deed Book / Page | 3331 / 796 |
| Prior Transfer Date | Dec 16, 2004 |
| Prior Transfer Doc | 0002180648 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 424 PRIMROSE CIR, DESTIN, FL 32541-2232 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 424 PRIMROSE CIR, DESTIN, FL 32541-2232 |
| Document Number | 0034992056 |
|---|---|
| Date | Oct 19, 2020 |
| Book Page | 3499/2056 |
| Instrument | 3399872 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 424 PRIMROSE CIR, DESTIN, FL 32541-2232 |
| Document Number | 0034331763 |
| Instrument Date | Dec 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 424 PRIMROSE CIR DESTIN FL 325412232, DESTIN, FL 32541-2232 |
| Document Number | 0034331763 |
|---|---|
| Date | Dec 12, 2019 |
| Book Page | 003433/001763 |
| Instrument | 3323796 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 11, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Dec 27, 2017 |
| Property Address | 424 PRIMROSE CIR, DESTIN, FL 32541-2232 |
| Document Number | 0033310796 |
| Book / Page | 3331 / 0796 |
| Map Reference | MB8 PG9 |
| Instrument Date | Dec 19, 2017 |
| Instrument | 3179533 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 424 PRIMROSE CIR, DESTIN, FL 32541-2232 |
| Document Number | 0003180046 |
|---|---|
| Date | Dec 27, 2017 |
| Instrument | 3180046 |
| Name | FIRST FLORIDA BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2048 |
The 2025 property tax bill for 424 Primrose Cir was $1,152 with exemptions applied.
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,152.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $146,320 | $291,622 Land $130,626 Building $160,996 |
| 2023 | $1,069.00 (-1.47%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $138,054 (+3%) | $279,545 (+7.89%) Land $118,524 Building $161,021 |
| 2022 | $1,085.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $134,033 | $259,097 Land $107,749 Building $151,348 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 424 Primrose Cir in Zone X, an area of minimal flood risk, though there have been 95 flood claims nearby since 1994.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 76 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 136 units insured incl. 60 condo units |
| Nearby Flood Claims | 95 (1994–2020) |
| Claims Outside the SFHA | 64 of 95 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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.
The area around 424 Primrose Cir has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DESTIN WATER USERS, INC. private · serves 31,752 people · EPA ID FL1460202 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 478 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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