4462 Stonebridge Rd, Destin, FL 32541 Property Records

Okaloosa County property record for 4462 Stonebridge Rd, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,100 sqft · built 2004
Lot Size	0.526 acres (22,920 sqft)
Owner	2 Individual Names on File
Last Sale	$700,000 (Dec 2019)
Tax Bill	$7,728 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-9794-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-9794-1`
Alternative APNs	`00-2S-22-1444-00JJ-0160` `22S200144400JJ0160`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,100 sqft Living Area
Gross Area	4,000 sqft
1st Floor Area	3,100 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	22,920 sqft (0.526 acres)
Garage Type	Attached
Garage Area	542 sqft
Porch	Finished/Open Porch
Porch Area	358 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4462 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 16 BLK JJ
Legal Subdivision	STONEBRIDGE PH II AT KELLY PLANTATION S/
Legal Phase	2
Legal Block	JJ
Legal Lot Number	16
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1003
Census Tract	23304

Owner

4462 Stonebridge Rd is owned and occupied by two individuals who bought it in December 2019.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4462 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.

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC
Dec 9, 2019	Warranty Deed, Transfer GEORGE H & SHARON S SAUNDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2019 · Amount on File
Deed Sale	Dec 9, 2019 · Amount on File
Prior Sale	Aug 9, 2004 · Amount on File
Deed Document Number	20193322955
Deed Book / Page	3432 / 3497
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4462 STONEBRIDGE RD, DESTIN, FL 32541-3491
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4462 STONEBRIDGE RD, DESTIN, FL 32541-3491
Investor	Possibly a Property Investor

Mortgage

Document Number	0036571684
Date	Jan 5, 2023
Book Page	3657/1684
Instrument	3599337

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92808

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 9, 2019
Property Address	4462 STONEBRIDGE RD, DESTIN, FL 32541-3491
Document Number	0034323497
Book / Page	003432 / 003497
Instrument Date	Dec 4, 2019
Instrument	3322955
Transaction Type	Transfer
Record Updated	Dec 27, 2019
Title Company	AQUA TITLE SERVICES, AQUA TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,900.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4462 STONEBRIDGE RD DESTIN FL 325413491, DESTIN, FL 32541-3491

Mortgage

Document Number	34323499
Date	Dec 9, 2019
Book Page	003432/003499
Instrument	3322956

Lender

Name	GEORGE H & SHARON S SAUNDERS
Address	100 TIMBERVIEW CIR, SHARPSBURG, GA 30277-3666
Special Notes	Seller Financed

Agreement

Amount	Amount on Record
Term	60 Months
Due	Dec 8, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 4462 Stonebridge Rd was $7,728 with a homeowner's exemption.

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	$7,728.00 Homeowner's exemption	$772,433	$1,265,101 Land $424,389 Building $840,712
2023	$7,352.00 (+2.14%) Homeowner's exemption	$728,800 (+3%)	$1,129,371 (+18.55%) Land $373,857 Building $755,514
2022	$7,198.00 Homeowner's exemption	$707,573	$952,624 Land $323,686 Building $628,938

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4462 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	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 18 claims Hurricane Frances, Sep 2004 · 23 claims Hurricane Opal, Oct 1995 · 37 claims

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 2004) 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

Wildfire risk around 4462 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	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	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

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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