4548 Sailmaker Ln, Destin, FL 32541 Property Records

Okaloosa County property record for 4548 Sailmaker Ln, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,797 sqft · built 2023
Owner	Individual Name on Record
Last Sale	$3,150,000 (May 2025)
Tax Bill	$12,898 (2025)
Deeds & Mortgages	Mar 2021 Construction Loan May 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-146-8334-5`

Property Details

APN / Parcel Number

Primary APN	`C56-001-146-8334-5`
Alternative APN	`00-2S-22-3450-0000-0020`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	4,797 sqft Heated Area
Gross Area	6,916 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete Tile
Garage Type	Finished
Porch	Open Porch
Porch Area	62 sqft
Patio Area	357 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4548 SAILMAKER LN
City	DESTIN
State	FL
Zip	32541-5727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRADEWINDS AT REGATTA BAY LOT 2
Legal Subdivision	TRADEWINDS AT REGATTA BAY
Legal Lot Number	2
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 December 17, 2025

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
Co-owner	Co-owner on Record
Mailing Address	407 WATERFORD TER, SUNRISE BEACH, MO 65079-5454
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Deed of Trust, Mortgage · Construction Mortgage THE FIRST A NATIONAL BANKING ASSN
May 9, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO
Sep 22, 2023	Warranty Deed, Transfer PRIORITY TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2025 · Amount on Record
Deed Sale	May 9, 2025 · Amount on Record
Prior Sale	Sep 22, 2023 · Amount on Record
Deed Document Number	3753145
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4548 SAILMAKER LN, DESTIN, FL 32541-5727
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4471 LEGENDARY DR, DESTIN, FL 32541-5324

Mortgage

Document Number	0035334126
Date	Mar 22, 2021
Book Page	3533/4126
Instrument	3439827

Lender

Name	THE FIRST A NATIONAL BANKING ASSN
Type	Bank
Address	NICEVILLE, FL 32578

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	19 Months
Due	Oct 5, 2022

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 9, 2025
Property Address	4548 SAILMAKER LN, DESTIN, FL 32541-5727
Document Number	0003753145
Map Reference	MB 2043 PG 1921
Instrument Date	May 9, 2025
Instrument	3753145
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4548 SAILMAKER LN, DESTIN, FL 32541-5727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 WATERFORD TER, SUNRISE BEACH, MO 65079-5454

Mortgage

Document Number	0003753146
Date	May 9, 2025
Instrument	3753146

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 22, 2023
Property Address	4548 SAILMAKER LN, DESTIN, FL 32541-5727
Document Number	0003648625
Map Reference	MB 30 PG 6
Instrument Date	Sep 20, 2023
Instrument	3648625
Transaction Type	Transfer
Record Updated	Nov 6, 2023
Title Company	PRIORITY TITLE

Transaction

Amount	Amount Recorded
Tax	$14,364.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4471 LEGENDARY DR, DESTIN, FL 32541-5324

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4548 SAILMAKER LN, DESTIN, FL 32541-5727

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	$12,898.00 (+316.47%) Homeowner's exemption Widower's exemption	$1,269,038 (+335.49%)	$1,890,155 (+548.64%) Land $277,749 Building $1,612,406
2023	$3,097.00 (+29.74%)	$291,402 (+31.01%) Land $244,677 Building $46,725	$291,402 (+31.01%) Land $244,677 Building $46,725
2022	$2,387.00	$222,434 Land $222,434	$222,434 Land $222,434

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
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 2023) 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 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% 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 248 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 · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Wildstar Networks.

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