4554 Biscayne Bay, Destin, FL 32541 Property Records

Okaloosa County property record for 4554 Biscayne Bay, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,629 sqft · built 2007
Lot Size	0.026 acres (1,150 sqft)
Owner	Company Name on Record
Last Sale	$625,000 (Aug 2020)
Tax Bill	$10,901 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Jun 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-598-9147-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-598-9147-3`
Alternative APNs	`00-2S-22-1125-0000-1160` `22S200112500001160`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	2,629 sqft Living Area
Gross Area	3,375 sqft
1st Floor Area	877 sqft
Upper Floors Area	1,802 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	1,150 sqft (0.026 acres)
Porch	Finished/Open Porch
Porch Area	746 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4554 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 116
Legal Subdivision	VILLAGES OF CRYSTAL BEACH
Legal Lot Number	116
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 April 14, 2026

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	1031 REDNA TER, CINCINNATI, OH 45215-1114
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2023	Deed of Trust, Mortgage · Commercial Mortgage UNITED SAVINGS BANK
Jun 29, 2023	Deed of Trust, Mortgage · Commercial Mortgage UNITED SAVINGS BANK
Nov 3, 2021	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
Aug 31, 2020	Warranty Deed, Transfer KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I
May 7, 2018	Warranty Deed, Transfer ATTORNEY
Apr 17, 2018	Deed of Trust, Mortgage CENTENNIAL BK
Apr 17, 2018	Deed of Trust, Mortgage CENTENNIAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2020 · Amount on Record
Deed Sale	Aug 31, 2020 · Amount on Record
Prior Sale	May 7, 2018 · Amount on Record
Deed Document Number	20203386932
Deed Book / Page	3488 / 338
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4554 BISCAYNE BAY, DESTIN, FL 32541-3533
Transaction Type	Mortgage
Record Updated	Jan 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036812802
Date	Jun 29, 2023
Book Page	3681/2802
Instrument	3632669

Lender

Name	UNITED SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4554 BISCAYNE BAY, DESTIN, FL 32541-3533
Transaction Type	Mortgage
Record Updated	Jan 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036812776
Date	Jun 29, 2023
Book Page	3681/2776
Instrument	3632667

Lender

Name	UNITED SAVINGS BANK
Type	Bank
Address	BOCA RATON, FL 33431

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 3, 2021
Property Address	4554 BISCAYNE BAY, DESTIN, FL 32541-3533
Document Number	0035844087
Book / Page	3584 / 4087
Map Reference	MB 22 PG 75
Instrument Date	Oct 17, 2021
Instrument	3502416
Transaction Type	Transfer
Record Updated	Nov 22, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1031 REDNA TER, 1031, CINCINNATI, OH 45215-1114

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1031 REDNA TER, CINCINNATI, OH 45215-1114

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 31, 2020
Property Address	4554 BISCAYNE BAY, DESTIN, FL 32541-3533
Document Number	0034880338
Book / Page	003488 / 000338
Instrument Date	Aug 7, 2020
Instrument	3386932
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I

Transaction

Amount	Amount Recorded
Tax	$4,375.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1188 GREENERY LN CINCINNATI OH 452334892, CINCINNATI, OH 45233-4892

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 7, 2018
Property Address	4554 BISCAYNE BAY, DESTIN, FL 32541-3533
Document Number	0033490734
Book / Page	3349 / 0734
Map Reference	MB22 PG75-78
Instrument Date	Apr 17, 2018
Instrument	3205446
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 3298, HOUMA, LA 70361-3298

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9007 MICHAEL DOUGLAS DR, CLARENCE CENTER, NY 14032-9275

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4554 BISCAYNE BAY, DESTIN, FL 32541-3533
Document Number	0033550143
Instrument Date	Apr 17, 2018
Transaction Type	Mortgage
Record Updated	Oct 16, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9007 MICHAEL DOUGLAS DR CLARENCE CENTER NY 140329275, CLARENCE CENTER, NY 14032-9275

Mortgage

Document Number	0033550143
Date	Jun 18, 2020
Book Page	003355/000143
Instrument	3214051

Lender

Name	CENTENNIAL BK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Amount	Amount Recorded

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4554 BISCAYNE BAY, DESTIN, FL 32541-3533
Document Number	0033490903
Instrument Date	Apr 17, 2018
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9007 MICHAEL DOUGLAS DR CLARENCE CENTER NY 140329275, CLARENCE CENTER, NY 14032-9275

Mortgage

Document Number	0033490903
Date	May 8, 2018
Book Page	003349/000903
Instrument	3205492

Lender

Name	CENTENNIAL BK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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	$10,901.00 (-3.5%)	$920,488 (-7.62%) Land $308,588 Building $611,900	$920,488 (-7.62%) Land $308,588 Building $611,900
2023	$11,296.00 (+14.24%)	$996,372 (+21.43%) Land $280,000 Building $716,372	$996,372 (+21.43%) Land $280,000 Building $716,372
2022	$9,888.00	$820,548 Land $225,000 Building $595,548	$820,548 Land $225,000 Building $595,548

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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