4550 John Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 4550 John Ave, Destin, FL 32541

Property Summary

Property Type	Duplex
Details	7 bd · 5.5 ba · 3,953 sqft · built 1989
Lot Size	0.298 acres (12,998 sqft)
Owner	2 Individual Names on File
Tax Bill	$12,358 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-5816-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-5816-6`
Alternative APNs	`00-2S-22-0580-0005-0120` `22S200058000050120`

Interior

Bedrooms	7 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Units	8 Units
Stories	2 Stories
Building Area	3,953 sqft Living Area
Gross Area	6,070 sqft
1st Floor Area	1,947 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2005
Architectural Style	Duplex Single
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	12,998 sqft (0.298 acres)
Lot Dimensions	75 ft deep x 60 ft wide
Garage Type	Carport
Garage Area	826 sqft
Carport	Carport
Carport Area	826 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	1,267 sqft
Deck Area	Deck Area
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4550 JOHN AVE
City	DESTIN
State	FL
Zip	32541-3679
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	CRYSTAL BEACH W55 FT LOTS 12 & 13, & E 60FT LOT 14, 15, AND N1/2 LOT 16 BLK 5
Legal Subdivision	CRYSTAL BEACH
Legal Block	5
Legal Lot Number	120
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1019
Census Tract	23308

Owner

4550 John Ave, a duplex, is owned and occupied by two individuals who acquired it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	4550 JOHN AVE, 4, DESTIN, FL 32541-3678
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
Mar 19, 2021	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE INC
Mar 18, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2021
Deed Sale	Mar 19, 2021
Prior Sale	Mar 18, 2021 · Amount on File
Deed Document Number	20213439138
Deed Book / Page	3533 / 1217
Prior Transfer Date	Apr 10, 2008
Prior Transfer Doc	0028382520
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 19, 2021
Property Address	4550 JOHN AVE, DESTIN, FL 32541-3679
Document Number	0035331217
Book / Page	3533 / 1217
Map Reference	MB 1 PG 17
Instrument Date	Mar 17, 2021
Instrument	3439138
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	98 US HIGHWAY 95, CALVERT CITY, KY 42029-8817

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 DOVE CRK, MCKINNEY, TX 75071-0331

Mortgage

Document Number	0035331219
Date	Mar 19, 2021
Instrument	3533/1219

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 18, 2021
Property Address	4550 JOHN AVE, DESTIN, FL 32541-3679
Document Number	0035324959
Book / Page	3532 / 4959
Map Reference	MB 1 PG 17
Instrument Date	Feb 26, 2021
Instrument	3438831
Transaction Type	Transfer
Record Updated	Feb 13, 2024

Transaction

Amount	Amount on Record
Tax	$7,000.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	98 US HIGHWAY 95, CALVERT CITY, KY 42029-8817

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36008 EMERALD COAST PKWY STE 301, 301, DESTIN, FL 32541-5732

Tax Assessment & Valuation

The 2025 property tax bill for 4550 John Ave was $12,358 with exemptions applied.

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	$12,358.00 Homeowner's exemption Veteran's exemption	$1,087,498	$1,134,220 Land $770,366 Building $363,854
2023	$11,188.00 (+9.76%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$980,149 (+15.87%) Land $659,548 Building $320,601	$980,149 (+15.87%) Land $659,548 Building $320,601
2022	$10,193.00	$845,907 Land $628,141 Building $217,766	$845,907 Land $628,141 Building $217,766

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

Flood

FEMA maps place 4550 John Ave in Zone X, an area of minimal flood risk, though there have been 51 flood claims nearby since 1983.

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 95 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	251 units insured incl. 156 condo units
Nearby Flood Claims	51 (1983–2005)
Claims Outside the SFHA	39 of 51
Most Recent Claim	Jul 2005 · Hurricane Dennis
Claims by Event	Hurricane Frances, Oct 2004 · 6 claims Hurricane Georges, Sep 1998 · 4 claims Hurricane Opal, Oct 1995 · 38 claims

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 4550 John Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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.

Nearby Properties on John Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures