4490 Stonebridge Rd, Destin, FL 32541 Property Records

Okaloosa County property record for 4490 Stonebridge Rd, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	6 bd · 6.5 ba · 6,003 sqft · built 2021
Lot Size	0.545 acres (23,756 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (May 2020)
Tax Bill	$23,445 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-9801-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-9801-4`
Alternative APNs	`00-2S-22-1444-00JJ-0230` `22S200144400JJ0230`

Interior

Bedrooms	6 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,003 sqft Living Area
Gross Area	8,616 sqft
1st Floor Area	3,496 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Wood Frame (Stucco or Asbestos)
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	23,756 sqft (0.545 acres)
Garage Type	Attached
Garage Area	1,058 sqft
Porch	Slab
Patio Area	315 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4490 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 23 BLK JJ
Legal Subdivision	STONEBRIDGE PH II AT KELLY PLANTATION S/
Legal Phase	2
Legal Block	JJ
Legal Lot Number	23
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1003
Census Tract	23304

Owner

Source: Okaloosa County records, as of October 19, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	4490 STONEBRIDGE RD, DESTIN, FL 32541-3491
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Deed of Trust, Mortgage · Commercial Mortgage U S STRATEGIC CAPITAL ADVISORS LLC
Oct 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 20, 2020	Deed of Trust, Mortgage · SBA Mortgage US EAGLE FCU
May 6, 2020	Warranty Deed, Transfer NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW
Apr 5, 2017	Warranty Deed, Transfer · Commercial Mortgage FIRST SECURITY BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2020 · Amount on Record
Deed Sale	May 6, 2020 · Amount on Record
Prior Sale	Oct 18, 2017 · Amount on Record
Deed Document Number	20203356577
Deed Book / Page	3460 / 3641
Prior Transfer Date	May 7, 2013
Prior Transfer Doc	0030963638
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4490 STONEBRIDGE RD, DESTIN, FL 32541-3491
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035794827
Date	Oct 12, 2021
Book Page	3579/4827
Instrument	3496212

Lender

Name	U S STRATEGIC CAPITAL ADVISORS LLC
Type	Non-Lending Institution
Address	ALPHARETTA, GA 30004

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4490 STONEBRIDGE RD, DESTIN, FL 32541-3491
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4490 STONEBRIDGE RD, DESTIN, FL 32541-3491

Mortgage

Document Number	0036454665
Date	Oct 6, 2022
Book Page	3645/4665
Instrument	3583174

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4490 STONEBRIDGE RD, DESTIN, FL 32541-3491
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 CORINTHIAN PL, DESTIN, FL 32541-5327

Mortgage

Document Number	0034852014
Date	Aug 20, 2020
Book Page	3485/2014
Instrument	3383990

Lender

Name	US EAGLE FCU
Type	Credit Union
Address	ALBUQUERQUE, NM 87109

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 6, 2020
Property Address	4490 STONEBRIDGE RD, DESTIN, FL 32541-3491
Document Number	0034603641
Book / Page	003460 / 003641
Instrument Date	May 6, 2020
Instrument	3356577
Transaction Type	Transfer
Record Updated	Jun 5, 2020
Title Company	NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW

Transaction

Amount	Amount Recorded
Tax	$2,170.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 CORINTHIAN PL DESTIN FL 325415327, DESTIN, FL 32541-5327

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 5, 2017
Property Address	4490 STONEBRIDGE RD, DESTIN, FL 32541-3491
Document Number	0032941804
Book / Page	3294 / 1804
Map Reference	MB19 PG32
Instrument Date	Apr 3, 2017
Instrument	3127452
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	927 EMERALD BAY DR, 927, DESTIN, FL 32541-3744

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 KELLY PLANTATION DR UNIT 704, 704, DESTIN, FL 32541-8462

Mortgage

Document Number	0003127453
Date	Apr 5, 2017
Instrument	3127453

Lender

Name	FIRST SECURITY BANK INC
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 3, 2027

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	$23,445.00 (+14.28%) Homeowner's exemption	$2,267,012 (+11.64%) Land $385,588 Building $1,881,424	$2,267,012 (+11.64%) Land $385,588 Building $1,881,424
2023	$20,515.00 (+13.07%)	$2,030,582 (+18.01%) Land $339,676 Building $1,690,906	$2,030,582 (+18.01%) Land $339,676 Building $1,690,906
2022	$18,144.00	$1,720,746 Land $308,796 Building $1,411,950	$1,720,746 Land $308,796 Building $1,411,950

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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 2021) 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 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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