4565 John Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 4565 John Ave, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,734 sqft · built 1985
Lot Size	0.172 acres (7,499 sqft)
Owner	Individual Name on Record
Last Sale	$650,000 (Jul 2020)
Tax Bill	$9,396 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-6106-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6106-1`
Alternative APN	`00-2S-22-0580-0025-0200`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,734 sqft Heated Area
Gross Area	2,172 sqft
1st Floor Area	1,734 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,499 sqft (0.172 acres)
Lot Width	50 ft Width
Porch	Open Porch
Porch Area	483 sqft
Patio Area	408 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4565 JOHN AVE
City	DESTIN
State	FL
Zip	32541-3689
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL BEACH LOT 20 BLK 25
Legal Range	22
Legal Township	02S
Legal Subdivision	CRYSTAL BEACH
Legal Block	25
Legal Lot Number	20
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1021
Census Tract	23308

Owner

Source: Okaloosa County records, as of December 8, 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
Mailing Address	1517 ALLEN LN, SAINT CHARLES, IL 60174-2319
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2020	Warranty Deed, Transfer · Conventional Mortgage MIDWEST COMMUNITY BANK
Nov 15, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2020 · Amount on Record
Deed Sale	Jul 28, 2020 · Amount on Record
Prior Sale	Nov 15, 2018 · Amount on Record
Deed Document Number	3376738
Deed Book / Page	3478 / 2995
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 28, 2020
Property Address	4565 JOHN AVE, DESTIN, FL 32541-3689
Document Number	0034782995
Book / Page	3478 / 2995
Map Reference	MB 1 PG 17
Instrument Date	Jul 24, 2020
Instrument	3376738
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4321 CRITTENDEN DR, 4321, NORMAN, OK 73072-0005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1517 ALLEN LN, SAINT CHARLES, IL 60174-2319

Mortgage

Document Number	0034782997
Date	Jul 28, 2020
Instrument	3478/2997

Lender

Name	MIDWEST COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 15, 2018
Property Address	4565 JOHN AVE, DESTIN, FL 32541-3689
Document Number	0033750758
Book / Page	003375 / 000758
Instrument Date	Nov 8, 2018
Instrument	3243692
Transaction Type	Transfer
Record Updated	Dec 11, 2018
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,375.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1011 S PICKARD AVE NORMAN OK 730694528, NORMAN, OK 73069-4528

Mortgage

Document Number	33750760
Date	Nov 15, 2018
Book Page	003375/000760
Instrument	3243693

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2048

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	$9,396.00 (+11.29%)	$834,235 (+4.23%) Land $566,284 Building $267,951	$834,235 (+4.23%) Land $566,284 Building $267,951
2023	$8,443.00 (+9.96%)	$800,353 (+12.03%) Land $513,822 Building $286,531	$800,353 (+12.03%) Land $513,822 Building $286,531
2022	$7,678.00	$714,439 Land $467,111 Building $247,328	$714,439 Land $467,111 Building $247,328

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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