437 Captains Cir, Destin, FL 32541 Property Records

Okaloosa County property record for 437 Captains Cir, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,376 sqft · built 2000
Lot Size	0.376 acres (16,386 sqft)
Owner	2 Company Names on Record
Last Sale	$1,970,000 (Jan 2023)
Tax Bill	$17,101 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Oct 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-5488-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-5488-4`
Alternative APNs	`00-2S-22-0515-0000-0650` `22S200051500000650`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,376 sqft Living Area
Gross Area	6,137 sqft
1st Floor Area	3,798 sqft
Upper Floors Area	1,578 sqft
Flooring	Tile
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	16,386 sqft (0.376 acres)
Garage Type	Attached
Garage Area	616 sqft
Porch	Finished/Open Porch
Porch Area	145 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	437 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 65
Legal Subdivision	COMMODORE POINT S/D
Legal Block	1
Legal Lot Number	65
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2011
Census Tract	23308

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	437 CAPTAINS CIR, DESTIN, FL 32541-5307
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 12, 2023	Intrafamily Transfer, Transfer
Jan 3, 2023	Warranty Deed, Transfer · Conventional Mortgage SIRVA MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2023 · Amount on Record
Deed Sale	Jan 3, 2023 · Amount on Record
Prior Sale	Mar 30, 2004 · Amount on Record
Deed Document Number	20233598969
Deed Book / Page	3657 / 585
Last Transfer Date	Sep 18, 2023
Transfer Doc	0003651872
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	437 CAPTAINS CIR, DESTIN, FL 32541-5307
Transaction Type	Mortgage
Record Updated	Dec 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 CAPTAINS CIR, DESTIN, FL 32541-5307

Mortgage

Document Number	0003656949
Date	Nov 13, 2023
Instrument	3656949

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 7, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Oct 12, 2023
Property Address	437 CAPTAINS CIR, DESTIN, FL 32541-5307
Document Number	0003651872
Map Reference	MB 16 PG 73-76
Instrument Date	Sep 18, 2023
Instrument	3651872
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	437 CAPTAINS CIR, DESTIN, FL 32541-5307

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	437 CAPTAINS CIR, DESTIN, FL 32541-5307

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 3, 2023
Property Address	437 CAPTAINS CIR, DESTIN, FL 32541-5307
Document Number	0036570585
Book / Page	3657 / 585
Map Reference	MB 16 PG 73-76
Instrument Date	Dec 29, 2022
Instrument	3598969
Transaction Type	Transfer
Record Updated	Jan 27, 2023
Title Company	MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,790.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	460 CAPTAINS CIR, DESTIN, FL 32541-5305

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 CAPTAINS CIR, DESTIN, FL 32541-5307

Mortgage

Document Number	0003657587
Date	Jan 3, 2023
Instrument	3657/587

Lender

Name	SIRVA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Feb 1, 2033
Change Frequency	Quarterly
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	Other
Max Rate	10.5%

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	$17,101.00 (+4.97%)	$1,663,727 (+5.99%)	$1,816,346 (+15.71%) Land $413,751 Building $1,402,595
2023	$16,292.00 (+20.89%) Homeowner's exemption	$1,569,747 (+15.3%) Land $307,124 Building $1,262,623	$1,569,747 (+15.3%) Land $307,124 Building $1,262,623
2022	$13,477.00	$1,361,403 Land $265,908 Building $1,095,495	$1,361,403 Land $265,908 Building $1,095,495

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

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 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 2000) 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 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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