428 Primrose Cir, Destin, FL 32541 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1989
Lot Size	0.172 acres (7,499 sqft)
Owner	Individual Name on File
Last Sale	$204,000 (Nov 2015)
Tax Bill	$1,995 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-8102-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-8102-8`
Alternative APNs	`00-2S-22-1092-000E-0150` `22S2001092000E0150`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,260 sqft Living Area
Gross Area	2,070 sqft
1st Floor Area	1,260 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,499 sqft (0.172 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Florida Room
Porch Area	410 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	428 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 15 BLK E
Legal Subdivision	GULF MANOR 1ST ADD
Legal Block	E
Legal Lot Number	15
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2012
Census Tract	23306

Owner

428 Primrose Cir is owned and occupied by an individual who bought it in November 2015.

Source: Okaloosa County records, as of December 31, 2025

Owner of Record	Individual Name on File
Mailing Address	428 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2015 · Amount on File
Deed Sale	Nov 30, 2015 · Amount on File
Prior Sale	Jun 13, 2012 · Amount on File
Deed Document Number	20153035255
Deed Book / Page	3226 / 416
Prior Transfer Date	Oct 1, 2010
Prior Transfer Doc	0029722863
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	428 PRIMROSE CIR, DESTIN, FL 32541-2232
Transaction Type	Mortgage
Record Updated	Jun 30, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 PRIMROSE CIR, DESTIN, FL 32541-2232

Mortgage

Document Number	0035523865
Date	Jun 10, 2021
Book Page	3552/3865
Instrument	3462617

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	294 Months
Due	Dec 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 428 Primrose Cir was $1,995 with a homeowner's exemption.

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,995.00 Homeowner's exemption	$207,517	$312,666 Land $118,751 Building $193,915
2023	$1,878.00 (+2.79%) Homeowner's exemption	$195,795 (+3%)	$296,002 (+7.78%) Land $107,749 Building $188,253
2022	$1,827.00 Homeowner's exemption	$190,092	$274,644 Land $97,953 Building $176,691

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 428 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	Hurricane Frances, Sep 2004 · 18 claims Hurricane Georges, Sep 1998 · 16 claims Hurricane Opal, Oct 1995 · 45 claims

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

The area around 428 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.

Drinking Water

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

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 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