4552 Biscayne Bay, Destin, FL 32541 Property Records

Okaloosa County property record for 4552 Biscayne Bay, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,769 sqft · built 2007
Lot Size	0.026 acres (1,150 sqft)
Owner	Company Name on Record
Last Sale	$1,599,000 (Aug 2022)
Tax Bill	$11,405 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-598-9146-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-598-9146-5`
Alternative APN	`00-2S-22-1125-0000-1150`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	2,769 sqft Heated Area
Gross Area	3,375 sqft
1st Floor Area	1,017 sqft
Upper Floors Area	1,802 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2007
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Masonite/Cement Shake
Lot Area	1,150 sqft (0.026 acres)
Porch	Open Porch
Porch Area	606 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4552 BISCAYNE BAY
City	DESTIN
State	FL
Zip	32541-3533
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGES OF CRYSTAL BEACH LOT 115
Legal Range	22
Legal Township	02S
Legal Subdivision	VILLAGES OF CRYSTAL BEACH
Legal Lot Number	115
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1007
Census Tract	23308

Owner

Source: Okaloosa County records, as of December 8, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	3566 OLIVET CHURCH RD, PADUCAH, KY 42001-9618
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Warranty Deed, Transfer · Commercial Mortgage CTL CAPITAL PARTNERS LLC
Mar 2, 2020	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
Aug 4, 2017	Warranty Deed, Transfer · Conventional Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2022 · Amount on Record
Deed Sale	Aug 22, 2022 · Amount on Record
Prior Sale	Mar 2, 2020 · Amount on Record
Deed Document Number	3573324
Deed Book / Page	3639 / 205
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 22, 2022
Property Address	4552 BISCAYNE BAY, DESTIN, FL 32541-3533
Document Number	0036390205
Book / Page	3639 / 205
Map Reference	MB 22 PG 75-78
Instrument Date	Jul 21, 2022
Instrument	3573324
Transaction Type	Transfer
Record Updated	Sep 19, 2022
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,193.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2352 CHARDONNAY DR, 2352, MACUNGIE, PA 18062-8866

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3566 OLIVET CHURCH RD, PADUCAH, KY 42001-9618

Mortgage

Document Number	0036390207
Date	Aug 22, 2022
Book Page	3639/207
Instrument	3573325

Lender

Name	CTL CAPITAL PARTNERS LLC
Type	Non-Lending Institution
Address	UNION CITY, TN 38281

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 31, 2032

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 2, 2020
Property Address	4552 BISCAYNE BAY, DESTIN, FL 32541-3533
Document Number	0034471644
Book / Page	3447 / 1644
Map Reference	MB 22 PG 75-78
Instrument Date	Feb 28, 2020
Instrument	3341397
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	VINTAGE TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,620.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14541 HIDDEN OAKS LANE, 14541, CARMEL, IN 46033

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2352 CHARDONNAY DR, MACUNGIE, PA 18062-8866

Mortgage

Document Number	0034471646
Date	Mar 2, 2020
Instrument	3447/1646

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2035

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 4, 2017
Property Address	4552 BISCAYNE BAY, DESTIN, FL 32541-3533
Document Number	0033114296
Book / Page	003311 / 004296
Instrument Date	Jul 28, 2017
Instrument	3151910
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	NATIONWIDE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,382.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	123 MAIN ST WESTFIELD IN 46074, WESTFIELD, IN 46074

Mortgage

Document Number	33114298
Date	Aug 4, 2017
Book Page	003311/004298
Instrument	3151911

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2047

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	$11,405.00 (-8.73%)	$963,056 (-7.93%) Land $308,588 Building $654,468	$963,056 (-7.93%) Land $308,588 Building $654,468
2023	$12,496.00 (+43.68%)	$1,046,026 (+23.03%) Land $280,000 Building $766,026	$1,046,026 (+23.03%) Land $280,000 Building $766,026
2022	$8,697.00	$850,192 Land $225,000 Building $625,192	$850,192 Land $225,000 Building $625,192

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 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

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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