428 Captains Cir, Destin, FL 32541 Property Records

Okaloosa County property record for 428 Captains Cir, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,252 sqft · built 2005
Lot Size	0.66 acres (28,727 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,450,000 (Jul 2026)
Tax Bill	$13,071 (2025)
Deeds & Mortgages	Jul 2026 Sale Mar 2024 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-5423-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-5423-1`
Alternative APNs	`00-2S-22-0515-0000-0010` `22S200051500000010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,252 sqft Living Area
Gross Area	5,087 sqft
1st Floor Area	3,252 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	28,727 sqft (0.66 acres)
Garage Type	Attached
Garage Area	992 sqft
Porch	Finished/Open Porch
Porch Area	843 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	428 CAPTAINS CIR
City	DESTIN
State	FL
Zip	32541-5304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMMODORE POINT S/D LOT 1
Legal Subdivision	COMMODORE POINT S/D
Legal Block	1
Legal Lot Number	1
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 August 13, 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 Record
Mailing Address	259 MOONLIT WAY, DESTIN, FL 32541-4800
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Mar 12, 2024	Warranty Deed, Transfer CUSTOMERS FIRST TITLE COMPANY, CUSTOMERS FIRST TITLE CO
Dec 19, 2018	Deed of Trust, Mortgage · Commercial Mortgage WHITNEY BANK
Nov 1, 2018	Warranty Deed, Transfer AQUA TITLE SERVICES, AQUA TITLE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on Record
Deed Sale	Jul 31, 2026 · Amount on Record
Prior Sale	Mar 12, 2024 · Amount on Record
Deed Document Number	20263830703
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 31, 2026
Property Address	428 CAPTAINS CIR, DESTIN, FL 32541-5304
Document Number	0003830703
Instrument Date	Jul 31, 2026
Instrument	20263830703
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$1,025,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	259 MOONLIT WAY, DESTIN, FL 32541-4800

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 12, 2024
Property Address	428 CAPTAINS CIR, DESTIN, FL 32541-5304
Document Number	0003675863
Map Reference	MB 16 PG 73-76
Instrument Date	Mar 7, 2024
Instrument	3675863
Transaction Type	Transfer
Record Updated	Apr 9, 2024
Title Company	CUSTOMERS FIRST TITLE COMPANY, CUSTOMERS FIRST TITLE CO

Transaction

Amount	Amount Recorded
Tax	$10,499.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	428 CAPTAINS CIR, DESTIN, FL 32541-5304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3211 HARBOR RIDGE WAY, TUSCALOOSA, AL 35406-4066

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	428 CAPTAINS CIR, DESTIN, FL 32541-5304
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033790213
Date	Dec 19, 2018
Book Page	3379/0213
Instrument	3249605

Lender

Name	WHITNEY BANK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Dec 14, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 1, 2018
Property Address	428 CAPTAINS CIR, DESTIN, FL 32541-5304
Document Number	0033732111
Book / Page	003373 / 002111
Instrument Date	Oct 26, 2018
Instrument	3241139
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	AQUA TITLE SERVICES, AQUA TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$6,265.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	428 CAPTAINS CIR DESTIN FL 325415304, DESTIN, FL 32541-5304

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 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	$13,071.00 (+76.4%)	$1,242,908 (+69.29%) Land $256,654 Building $986,254	$1,242,908 (+11.55%) Land $256,654 Building $986,254
2023	$7,410.00 (+2.15%) Homeowner's exemption	$734,208 (+3%)	$1,114,229 (+17.52%) Land $226,094 Building $888,135
2022	$7,254.00 Homeowner's exemption	$712,823	$948,141 Land $205,540 Building $742,601

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.

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 100 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 2005) 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	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% 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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