Okaloosa County property record for 4490 Clipper Cv, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,496 sqft · built 1994 |
| Lot Size | 0.159 acres (6,915 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,268 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-6294-5 |
| Primary APN | C56-000-589-6294-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,496 sqft Living Area |
| Gross Area | 3,370 sqft |
| 1st Floor Area | 1,260 sqft |
| Upper Floors Area | 936 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,915 sqft (0.159 acres) |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 474 sqft |
| Patio Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4490 CLIPPER CV |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3699 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CRYSTAL BCH COTTAGES PH II LOT 69 |
| Legal Subdivision | CRYSTAL BCH COTTAGES PH II |
| Legal Phase | 2 |
| Legal Lot Number | 69 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 23304 |
4490 Clipper Cv is owned and occupied by two individuals.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4490 CLIPPER CV, DESTIN, FL 32541-3699 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 4490 Clipper Cv was $3,268 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 | $3,268.00 Homeowner's exemption | $315,029 | $876,863 Land $519,094 Building $357,769 |
| 2023 | $3,090.00 (+4.78%) Homeowner's exemption | $297,234 (+4.98%) | $834,603 (+13.13%) Land $449,595 Building $385,008 |
| 2022 | $2,949.00 Homeowner's exemption | $283,140 | $737,706 Land $408,722 Building $328,984 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4490 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 1994) 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 4490 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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