4492 Clipper Cv, Destin, FL 32541 Property Records

Okaloosa County property record for 4492 Clipper Cv, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,411 sqft · built 1994
Lot Size	0.124 acres (5,393 sqft)
Owner	2 Individual Names on File
Last Sale	$75,000 (Apr 2016)
Tax Bill	$1,658 (2025)
Deeds & Mortgages	Sep 2026 Sale Sep 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-6295-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6295-2`
Alternative APNs	`00-2S-22-0583-0000-0700` `22S200058300000700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,411 sqft Living Area
Gross Area	1,753 sqft
1st Floor Area	1,411 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Board & Batten
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	5,393 sqft (0.124 acres)
Porch	Slab
Porch Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	4492 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 70
Legal Subdivision	CRYSTAL BCH COTTAGES PH II
Legal Phase	2
Legal Lot Number	70
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1044
Census Tract	23304

Owner

4492 Clipper Cv is owned and occupied by two individuals who acquired it in September 2026.

Source: Okaloosa County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4492 CLIPPER CV, DESTIN, FL 32541-3699
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Sep 30, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Sep 22, 2026	Deed of Trust, Mortgage · Line of Credit PINNACLE BANK
Aug 25, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Dec 9, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2016 · Amount on File
Deed Sale	Apr 27, 2016 · Amount on File
Deed Document Number	20163062348
Deed Book / Page	3245 / 2531
Last Transfer Date	Sep 29, 2026
Transfer Doc	0003841422
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 30, 2026
Property Address	4492 CLIPPER CV, DESTIN, FL 32541-3699
Document Number	0003841422
Instrument Date	Sep 29, 2026
Instrument	20263841422
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	4492 CLIPPER CV, DESTIN, FL 32541-3699

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Recording Date	Sep 22, 2026
Property Address	4492 CLIPPER CV, DESTIN, FL 32541-3699
Document Number	0003839840
Instrument Date	Sep 11, 2026
Instrument	20263839840
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4492 CLIPPER CV, DESTIN, FL 32541-3699

Mortgage

Document Number	0003839840,
Date	Sep 22, 2026
Instrument	20263839840

Lender

Name	PINNACLE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 11, 2056

Interest

Max Rate	-1%

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 25, 2026
Property Address	4492 CLIPPER CV, DESTIN, FL 32541-3699
Document Number	0003835163
Instrument Date	Aug 25, 2026
Instrument	20263835163
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4492 CLIPPER CV, DESTIN, FL 32541-3699

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Dec 9, 2021
Property Address	4492 CLIPPER CV, DESTIN, FL 32541-3699
Document Number	0035914772
Book / Page	3591 / 4772
Map Reference	MB 12 PG 81
Instrument Date	Dec 9, 2021
Instrument	3511440
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4492 CLIPPER CV, 4492, DESTIN, FL 32541-3699

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3166 CROSS CREEK DR, CUMMING, GA 30040-6337

Tax Assessment & Valuation

The 2025 property tax bill for 4492 Clipper Cv was $1,658.

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Destin City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,658.00	$207,042	$671,182 Land $471,904 Building $199,278
2023	$1,541.00 (-0.58%) Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed	$195,347 (+3%)	$636,419 (+11.93%) Land $428,185 Building $208,234
2022	$1,550.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$189,657	$568,584 Land $389,259 Building $179,325

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

Flood

FEMA maps place 4492 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	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 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.

Wildfire

The area around 4492 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.

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 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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