Okaloosa County property record for 4435 Clipper Cv, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,756 sqft · built 2009 |
| Lot Size | 0.128 acres (5,570 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $490,000 (May 2016) |
| Tax Bill | $5,068 (2025) |
| Deeds & Mortgages | Aug 2021 Transfer Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-6272-1 |
| Primary APN | C56-000-589-6272-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,756 sqft Living Area |
| Gross Area | 2,062 sqft |
| 1st Floor Area | 1,756 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 5,570 sqft (0.128 acres) |
| Porch | Florida Room |
| Porch Area | 306 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4435 CLIPPER CV |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-5100 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CRYSTAL BCH COTTAGES PH II LOT 47 |
| Legal Subdivision | CRYSTAL BCH COTTAGES PH II |
| Legal Phase | 2 |
| Legal Lot Number | 47 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 23304 |
4435 Clipper Cv is owned by a company that acquired it in August 2021 and is owner-occupied.
Source: Okaloosa County records, as of December 31, 2025
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 4435 CLIPPER CV, DESTIN, FL 32541-5100 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
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 |
|---|---|
| Aug 27, 2021 | Intrafamily Transfer, Transfer |
| Mar 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 18, 2016 · Amount on File |
| Deed Sale | May 18, 2016 · Amount on File |
| Deed Document Number | 20163066614 |
| Deed Book / Page | 3248 / 3179 |
| Last Transfer Date | Aug 26, 2021 |
| Transfer Doc | 0035700290 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 27, 2021 |
| Property Address | 4435 CLIPPER CV, DESTIN, FL 32541-5100 |
| Document Number | 0035700290 |
| Book / Page | 3570 / 290 |
| Map Reference | MB 12 PG 81 |
| Instrument Date | Aug 26, 2021 |
| Instrument | 3484135 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 4435 CLIPPER CV, DESTIN, FL 32541-5100 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4435 CLIPPER CV, DESTIN, FL 32541-5100 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034494938 |
|---|---|
| Date | Mar 16, 2020 |
| Book Page | 3449/4938 |
| Instrument | 3344862 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
The 2025 property tax bill for 4435 Clipper Cv was $5,068 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,068.00 Homeowner's exemption | $466,985 | $799,717 Land $471,904 Building $327,813 |
| 2023 | $4,823.00 (+2.38%) Homeowner's exemption | $442,279 (+3%) | $772,223 (+12.72%) Land $428,185 Building $344,038 |
| 2022 | $4,711.00 Homeowner's exemption | $429,397 | $685,072 Land $389,259 Building $295,813 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4435 Clipper Cv 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 2009) 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.
The area around 4435 Clipper Cv has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 579 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 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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