Okaloosa County property record for 4422 Stonebridge Rd, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5.5 ba · 4,733 sqft · built 2020 |
| Lot Size | 0.617 acres (26,895 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Oct 2019) |
| Tax Bill | $11,202 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Mar 2020 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9784-2 |
| Primary APN | C56-000-589-9784-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,733 sqft Living Area |
| Gross Area | 6,978 sqft |
| 1st Floor Area | 3,333 sqft |
| Flooring | Wood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 26,895 sqft (0.617 acres) |
| Garage Type | Attached |
| Garage Area | 1,219 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 1,026 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4422 STONEBRIDGE RD |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3491 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STONEBRIDGE PH II AT KELLY PLANTATION S/D LOT 6 BLK JJ |
| Legal Subdivision | STONEBRIDGE PH II AT KELLY PLANTATION S/ |
| Legal Phase | 2 |
| Legal Block | JJ |
| Legal Lot Number | 6 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 23304 |
4422 Stonebridge Rd is owned and occupied by two individuals who bought it in October 2019.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4422 STONEBRIDGE RD, DESTIN, FL 32541-3491 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WHITNEY BANK |
| Mar 16, 2020 | Deed of Trust, Construction Loan · Construction Mortgage SMARTBANK |
| Oct 4, 2019 | Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 4, 2019 · Amount on File |
| Deed Sale | Oct 4, 2019 · Amount on File |
| Prior Sale | May 10, 2004 · Amount on File |
| Deed Document Number | 20193309569 |
| Deed Book / Page | 3422 / 3291 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4422 STONEBRIDGE RD, DESTIN, FL 32541-3491 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4422 STONEBRIDGE RD, DESTIN, FL 32541-3491 |
| Document Number | 0035882776 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 3588/2776 |
| Instrument | 3507079 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | GULFPORT, MS 39501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Dec 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.75% |
| Index | Other |
| Max Rate | 7.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 16, 2020 |
| Property Address | 4422 STONEBRIDGE RD, DESTIN, FL 32541-3491 |
| Document Number | 0034494872 |
| Book / Page | 003449 / 004872 |
| Instrument Date | Mar 13, 2020 |
| Instrument | 3344855 |
| Transaction Type | Construction Loan |
| Record Updated | May 25, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6317 AUGUSTA CV DESTIN FL 325413466, DESTIN, FL 32541-3466 |
| Document Number | 34494872 |
|---|---|
| Date | Mar 16, 2020 |
| Book Page | 003449/004872 |
| Instrument | 3344855 |
| Name | SMARTBANK |
|---|---|
| Type | Bank |
| Address | PO BOX 1910, PIGEON FORGE, TN 37868-1910 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 15, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 4, 2019 |
| Property Address | 4422 STONEBRIDGE RD, DESTIN, FL 32541-3491 |
| Document Number | 0034223291 |
| Book / Page | 003422 / 003291 |
| Instrument Date | Oct 1, 2019 |
| Instrument | 3309569 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2019 |
| Title Company | SETCO SERVICES LLC, SETCO SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,995.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6317 AUGUSTA CV DESTIN FL 325413466, DESTIN, FL 32541-3466 |
The 2025 property tax bill for 4422 Stonebridge Rd was $11,202 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,202.00 Homeowner's exemption | $1,102,780 | $1,895,594 Land $385,588 Building $1,510,006 |
| 2023 | $10,665.00 (+2.1%) Homeowner's exemption | $1,040,486 (+3%) | $1,689,559 (+17.55%) Land $339,676 Building $1,349,883 |
| 2022 | $10,446.00 Homeowner's exemption | $1,010,181 | $1,437,286 Land $308,796 Building $1,128,490 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4422 Stonebridge Rd in Zone X, an area of minimal flood risk, though there have been 124 flood claims nearby since 1988.
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 |
| Flood Insurance Cost | Premium on File median of 117 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 460 units insured incl. 343 condo units |
| Nearby Flood Claims | 124 (1988–2020) |
| Claims Outside the SFHA | 83 of 124 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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 risk around 4422 Stonebridge Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DESTIN WATER USERS, INC. private · serves 31,752 people · EPA ID FL1460202 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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