435 Captains Cir, Destin, FL 32541 Property Records

Okaloosa County property record for 435 Captains Cir, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,325 sqft · built 2005
Lot Size	0.391 acres (17,045 sqft)
Owner	2 Individual Names on File
Last Sale	$100 (Feb 2018)
Tax Bill	$9,142 (2025)
Deeds & Mortgages	May 2020 Mortgage Mar 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-5489-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-5489-2`
Alternative APNs	`00-2S-22-0515-0000-0660` `22S200051500000660`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,325 sqft Living Area
Gross Area	4,598 sqft
1st Floor Area	3,325 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	17,045 sqft (0.391 acres)
Garage Type	Attached
Garage Area	692 sqft
Porch	Florida Room
Porch Area	581 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	435 CAPTAINS CIR
City	DESTIN
State	FL
Zip	32541-5307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMMODORE POINT S/D LOT 66
Legal Subdivision	COMMODORE POINT S/D
Legal Block	1
Legal Lot Number	66
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2011
Census Tract	23308

Owner

435 Captains Cir is owned and occupied by two individuals who acquired it in May 2020.

Source: Okaloosa County records, as of August 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	435 CAPTAINS CIR, DESTIN, FL 32541-5307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2020	Correction Deed · Conventional Mortgage REGIONS BANK
Mar 31, 2017	Loan Modification, Mortgage · Line of Credit TRUSTMARK NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2018 · Amount on File
Deed Sale	Feb 16, 2018 · Amount on File
Prior Sale	Feb 19, 2015 · Amount on File
Deed Document Number	20183189141
Deed Book / Page	3337 / 4050
Last Transfer Date	May 19, 2020
Transfer Doc	0034641210
Record Updated	Oct 29, 2026

May 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 26, 2020
Property Address	435 CAPTAINS CIR, DESTIN, FL 32541-5307
Document Number	0034641208
Book / Page	3464 / 1208
Map Reference	MB 16 PG 73
Instrument Date	May 19, 2020
Instrument	3360465
Record Updated	Jan 10, 2022
Title Company	AQUA TITLE SERVICES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	435 CAPTAINS CIR, 435, DESTIN, FL 32541-5307

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 CAPTAINS CIR, DESTIN, FL 32541-5307

Mortgage

Document Number	0034641210
Date	May 26, 2020
Book Page	3464/1210
Instrument	3360466

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	435 CAPTAINS CIR, DESTIN, FL 32541-5307
Document Number	0033032645
Book / Page	003303 / 002645
Instrument Date	Mar 31, 2017
Transaction Type	Mortgage
Record Updated	Aug 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3551 SCENIC HIGHWAY 98 #4A DESTIN FL 325415768, 4A, DESTIN, FL 32541-5768

Mortgage

Document Number	0033032645
Date	Jun 12, 2017
Book Page	003303/002645
Instrument	3140478

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	SANTA ROSA BEACH, FL 32459

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 435 Captains Cir was $9,142 with a homeowner's exemption.

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	$9,142.00 Homeowner's exemption	$906,962	$1,477,979 Land $413,751 Building $1,064,228
2023	$8,701.00 (+2.11%) Homeowner's exemption	$855,729 (+3%)	$1,258,107 (+18.51%) Land $307,124 Building $950,983
2022	$8,521.00 Homeowner's exemption	$830,805	$1,061,608 Land $265,908 Building $795,700

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

Flood

FEMA maps place 435 Captains Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 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

Wildfire risk around 435 Captains Cir is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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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