4402 Ensign Ct, Destin, FL 32541 Property Records

Okaloosa County property record for 4402 Ensign Ct, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,226 sqft · built 2006
Lot Size	0.335 acres (14,612 sqft)
Owner	2 Individuals on Record
Last Sale	$700,000 (Aug 2014)
Tax Bill	$6,030 (2025)
Deeds & Mortgages	May 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-0936-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-0936-5`
Alternative APNs	`00-2S-22-2089-000B-0220` `22S2002089000B0220`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,226 sqft Living Area
Gross Area	4,454 sqft
1st Floor Area	2,418 sqft
Upper Floors Area	808 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	14,612 sqft (0.335 acres)
Garage Type	Attached
Garage Area	525 sqft
Porch	Florida Room
Porch Area	703 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4402 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 22 BLK B
Legal Subdivision	REGATTA BAY
Legal Phase	2
Legal Block	B
Legal Lot Number	22
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2020
Census Tract	23308

Owner

Source: Okaloosa County assessment roll, 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 Individuals on Record
Mailing Address	4402 ENSIGN CT, DESTIN, FL 32541-5340
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2014 · Amount on Record
Deed Sale	Aug 4, 2014 · Amount on Record
Prior Sale	Jul 14, 2006 · Amount on Record
Deed Document Number	20142943031
Deed Book / Page	3158 / 2359
Last Transfer Date	Nov 18, 2025
Transfer Doc	0003818125
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 21, 2026
Property Address	4402 ENSIGN CT, DESTIN, FL 32541-5340
Document Number	0003818125
Instrument Date	Nov 18, 2025
Instrument	20263818125
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	4402 ENSIGN CT, DESTIN, FL 32541-5340

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	$6,030.00 (+5.18%) Homeowner's exemption	$611,013 (+5.99%)	$1,087,402 (+11.12%) Land $272,822 Building $814,580
2023	$5,733.00 (+2.17%) Homeowner's exemption	$576,498 (+3%)	$978,575 (+16.77%) Land $240,337 Building $738,238
2022	$5,611.00 Homeowner's exemption	$559,707	$838,013 Land $218,488 Building $619,525

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 2006) 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.

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