4403 Ensign Ct, Destin, FL 32541 Property Records

Okaloosa County property record for 4403 Ensign Ct, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,302 sqft · built 2016
Lot Size	0.29 acres (12,612 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,400,000 (Nov 2020)
Tax Bill	$15,689 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-0933-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-0933-2`
Alternative APNs	`00-2S-22-2089-000B-0190` `22S2002089000B0190`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,302 sqft Living Area
Gross Area	4,678 sqft
1st Floor Area	2,534 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	12,612 sqft (0.29 acres)
Garage Type	Attached
Garage Area	900 sqft
Porch	Finished/Open Porch
Porch Area	476 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4403 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 19 BLK B
Legal Subdivision	REGATTA BAY
Legal Phase	2
Legal Block	B
Legal Lot Number	19
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 31, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	4403 ENSIGN CT, DESTIN, FL 32541-5340
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage REGIONS BANK
Jan 29, 2021	Deed of Trust, Mortgage COMMUNITY BANK OF MISSISSIPPI
Nov 3, 2020	Warranty Deed, Transfer SHORELINE TITLE LLC
Feb 1, 2017	Warranty Deed, Subdivision Related Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2020 · Amount on Record
Deed Sale	Nov 3, 2020 · Amount on Record
Prior Sale	Feb 1, 2017 · Amount on Record
Deed Document Number	20203404084
Deed Book / Page	3502 / 4322
Last Transfer Date	Feb 15, 2022
Transfer Doc	0036063098
Record Updated	Jun 8, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Feb 25, 2022
Property Address	4403 ENSIGN CT, DESTIN, FL 32541-5340
Document Number	0036063098
Book / Page	3606 / 3098
Map Reference	MB 18 PG 3-5
Instrument Date	Feb 15, 2022
Instrument	3529792
Transaction Type	Transfer
Record Updated	Mar 23, 2022
Title Company	MCNEESE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4403 ENSIGN CT, DESTIN, FL 32541-5340

Mortgage

Document Number	0036063100
Date	Feb 25, 2022
Instrument	3606/3100

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	316 Months
Due	Jun 2, 2048

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4403 ENSIGN CT, DESTIN, FL 32541-5340
Transaction Type	Mortgage
Record Updated	Feb 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 W PONTOTOC AVE 6, 6, MEMPHIS, TN 38103-3827

Mortgage

Document Number	0035214506
Date	Jan 29, 2021
Book Page	3521/4506
Instrument	3425870

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank
Address	FOREST, MS 39074

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 3, 2020
Property Address	4403 ENSIGN CT, DESTIN, FL 32541-5340
Document Number	0035024322
Book / Page	003502 / 004322
Instrument Date	Oct 30, 2020
Instrument	3404084
Transaction Type	Transfer
Record Updated	Nov 13, 2020
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$9,800.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	17 W PONTOTOC AVE #2 MEMPHIS TN 381033828, 2, MEMPHIS, TN 38103-3828

February 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 1, 2017
Property Address	4403 ENSIGN CT, DESTIN, FL 32541-5340
Document Number	0032854557
Book / Page	003285 / 004557
Instrument Date	Jan 31, 2017
Instrument	3115575
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$8,050.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	27 ANCHOR RODE CIR SANTA ROSA BEACH FL 324592953, SANTA ROSA BEACH, FL 32459-2953

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	$15,689.00 (+4.98%) Homeowner's exemption	$1,529,444 (+5.99%)	$1,598,050 (+10.74%) Land $245,540 Building $1,352,510
2023	$14,945.00 (+23.65%) Homeowner's exemption	$1,443,049 (+18.17%) Land $228,320 Building $1,214,729	$1,443,049 (+18.17%) Land $228,320 Building $1,214,729
2022	$12,087.00 Homeowner's exemption	$1,221,211 Land $207,563 Building $1,013,648	$1,221,211 Land $207,563 Building $1,013,648

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 2016) 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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