4401 Ensign Ct, Destin, FL 32541 Property Records

Okaloosa County property record for 4401 Ensign Ct, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,170 sqft · built 2020
Lot Size	0.299 acres (13,057 sqft)
Owner	Individual Name on Record
Last Sale	$1,910,000 (Aug 2021)
Tax Bill	$15,394 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Aug 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-0934-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-0934-0`
Alternative APN	`00-2S-22-2089-000B-0200`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	4,170 sqft Heated Area
Gross Area	5,492 sqft
1st Floor Area	2,861 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete Tile
Lot Area	13,057 sqft (0.299 acres)
Garage Type	Finished
Garage Area	788 sqft
Porch	Open Porch
Porch Area	534 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4401 ENSIGN CT
City	DESTIN
State	FL
Zip	32541-5340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REGATTA BAY PH II LOT 20 BLK B
Legal Range	22
Legal Township	02S
Legal Subdivision	REGATTA BAY PH II
Legal Phase	2
Legal Block	B
Legal Lot Number	20
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2020
Census Tract	23308

Owner

Source: Okaloosa County records, as of December 8, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4401 ENSIGN CT, DESTIN, FL 32541-5340
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Aug 6, 2020	Warranty Deed, Subdivision Related Transfer ATTORNEY ONLY
Sep 11, 2018	Deed of Trust, Mortgage · Line of Credit FIRST FL BK
Feb 14, 2018	Warranty Deed, Transfer · Commercial Mortgage DESTIN CUSTOM HOME BUILDERS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2021 · Amount on Record
Deed Sale	Aug 2, 2021 · Amount on Record
Prior Sale	Aug 6, 2020 · Amount on Record
Deed Document Number	3476565
Deed Book / Page	3564 / 171
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 2, 2021
Property Address	4401 ENSIGN CT, DESTIN, FL 32541-5340
Document Number	0035640171
Book / Page	3564 / 171
Map Reference	MB 18 PG 3
Instrument Date	Jul 30, 2021
Instrument	3476565
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,370.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	36282 TOULOUSE ST, 36282, PRAIRIEVILLE, LA 70769-3295

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4401 ENSIGN CT, DESTIN, FL 32541-5340

Mortgage

Document Number	0003564174
Date	Aug 2, 2021
Instrument	3564/174

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

August 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 6, 2020
Property Address	4401 ENSIGN CT, DESTIN, FL 32541-5340
Document Number	0034813476
Book / Page	003481 / 003476
Instrument Date	Aug 6, 2020
Instrument	3379979
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$10,920.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	36282 TOULOUSE ST PRAIRIEVILLE LA 707693295, PRAIRIEVILLE, LA 70769-3295

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4401 ENSIGN CT, DESTIN, FL 32541-5340
Document Number	0033671692
Instrument Date	Sep 11, 2018
Transaction Type	Mortgage
Record Updated	Sep 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4471 LEGENDARY DR DESTIN FL 325415324, DESTIN, FL 32541-5324

Mortgage

Document Number	0033671692
Date	Sep 13, 2018
Book Page	003367/001692
Instrument	3231971

Lender

Name	FIRST FL BK
Type	Bank
Address	2000 NINETY-EIGHT PALMS BLVD, DESTIN, FL 32541

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 12, 2038

Interest

Rate Type	Adjustable Rate

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 14, 2018
Property Address	4401 ENSIGN CT, DESTIN, FL 32541-5340
Document Number	0033372057
Book / Page	3337 / 2057
Map Reference	MB18 PG3-5
Instrument Date	Feb 10, 2018
Instrument	3188558
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 236, MARY ESTHER, FL 32569-0236

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4471 LEGENDARY DR, DESTIN, FL 32541-5324

Mortgage

Document Number	0003188557
Date	Feb 14, 2018
Instrument	3188557

Lender

Name	DESTIN CUSTOM HOME BUILDERS LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	$15,394.00 (+4.98%) Homeowner's exemption	$1,501,451 (+5.99%)	$1,837,013 (+12.89%) Land $272,822 Building $1,564,191
2023	$14,664.00 (+2.07%) Homeowner's exemption	$1,416,637 (+3%)	$1,627,324 (+18.32%) Land $228,320 Building $1,399,004
2022	$14,367.00 Homeowner's exemption	$1,375,376 Land $207,563 Building $1,167,813	$1,375,376 Land $207,563 Building $1,167,813

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
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 2020) 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	0.04% 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: LiveOak Fiber.

Nearby Properties on Ensign Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures