446 Captains Cir, Destin, FL 32541 Property Records

Okaloosa County property record for 446 Captains Cir, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,718 sqft · built 2000
Lot Size	0.828 acres (36,061 sqft)
Owner	2 Company Names on Record
Last Sale	$1,650,000 (May 2021)
Tax Bill	$18,386 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`C56-000-589-5433-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-5433-0`
Alternative APNs	`00-2S-22-0515-0000-0100` `22S200051500000100`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,718 sqft Living Area
Gross Area	5,029 sqft
1st Floor Area	3,718 sqft
Flooring	Wood
Interior Walls	Paneling

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	36,061 sqft (0.828 acres)
Garage Type	Attached
Garage Area	736 sqft
Driveway	Driveway
Porch	Slab
Porch Area	575 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	446 CAPTAINS CIR
City	DESTIN
State	FL
Zip	32541-5304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMMODORE POINT S/D LOT 10
Legal Subdivision	COMMODORE POINT S/D
Legal Block	1
Legal Lot Number	10
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2001
Census Tract	23308

Owner

Source: Okaloosa County records, as of October 2, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	446 CAPTAINS CIR, DESTIN, FL 32541-5304
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2021 · Amount on Record
Deed Sale	May 18, 2021 · Amount on Record
Prior Sale	Oct 20, 2015 · Amount on Record
Deed Document Number	20213455966
Deed Book / Page	3547 / 1850
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 18, 2021
Property Address	446 CAPTAINS CIR, DESTIN, FL 32541-5304
Document Number	0035471850
Book / Page	3547 / 1850
Map Reference	MB 16 PG 73-76
Instrument Date	May 14, 2021
Instrument	3455966
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1840 ELK RIVER PKWY, 1840, BANNER ELK, NC 28604-8863

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	5055 MONTERITO AVENUE, SANTA ROSA, CA 95404-1940

Mortgage

Document Number	35471852
Date	May 18, 2021
Instrument	3547/1852

Lender

Name	PHILIP L SELLERS ETUX
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	84 Months
Due	May 18, 2028

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	$18,386.00 (+3.12%) Homeowner's exemption	$1,785,960 (+4.17%)	$1,858,812 (+8.42%) Land $758,798 Building $1,100,014
2023	$17,830.00 (+13.97%) Homeowner's exemption	$1,714,440 (+17.64%) Land $729,614 Building $984,826	$1,714,440 (+17.64%) Land $729,614 Building $984,826
2022	$15,644.00	$1,457,320 Land $631,699 Building $825,621	$1,457,320 Land $631,699 Building $825,621

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
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 2000) 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 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.03% 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 41 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
T-Mobile Fixed Wireless	100 / 20

May also be available: LiveOak Fiber, Wildstar Networks.

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