4573 Sailmaker Ln, Destin, FL 32541 Property Records

Okaloosa County property record for 4573 Sailmaker Ln, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,303 sqft · built 2021
Lot Size	0.308 acres (13,412 sqft)
Owner	2 Individual Names on Record
Last Sale	$212,000 (Dec 2019)
Deeds & Mortgages	Jul 2021 Line of Credit Oct 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-598-5175-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-598-5175-8`
Alternative APNs	`00-2S-22-2095-000A-0120` `22S2002095000A0120`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,303 sqft Living Area
Gross Area	4,844 sqft
1st Floor Area	3,303 sqft
Flooring	Concrete/Cement
Interior Walls	Paneling

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	13,412 sqft (0.308 acres)
Garage Type	Attached
Garage Area	1,043 sqft
Porch	Florida Room

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4573 SAILMAKER LN
City	DESTIN
State	FL
Zip	32541-5729
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REGATTA PATIO HOMES REPLAT LOT 12 BLK A
Legal Subdivision	REGATTA PATIO HOMES
Legal Block	A
Legal Lot Number	12
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 31, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4573 SAILMAKER LN, DESTIN, FL 32541-5729
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2021	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Oct 2, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Oct 2, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Dec 6, 2019	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2019 · Amount on Record
Deed Sale	Dec 6, 2019 · Amount on Record
Deed Document Number	20193322654
Deed Book / Page	3432 / 2528
Last Transfer Date	Sep 24, 2023
Transfer Doc	0003649763
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4573 SAILMAKER LN, DESTIN, FL 32541-5729
Transaction Type	Mortgage
Record Updated	Nov 6, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4573 SAILMAKER LN, DESTIN, FL 32541-5729

Mortgage

Document Number	0035614644
Date	Jul 22, 2021
Book Page	3561/4644
Instrument	3473849

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Oct 2, 2023
Property Address	4573 SAILMAKER LN, DESTIN, FL 32541-5729
Document Number	0003649763
Map Reference	MB 1337 PG 619
Instrument Date	Sep 27, 2023
Instrument	3649763
Transaction Type	Transfer
Record Updated	Nov 6, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4573 SAILMAKER LN, DESTIN, FL 32541-5729

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4573 SAILMAKER LN, DESTIN, FL 32541-5729

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Oct 2, 2023
Property Address	4573 SAILMAKER LN, DESTIN, FL 32541-5729
Document Number	0003649764
Map Reference	MB 21 PG 20&21
Instrument Date	Sep 24, 2023
Instrument	3649764
Transaction Type	Transfer
Record Updated	Nov 6, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4573 SAILMAKER LN, DESTIN, FL 32541-5729

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4573 SAILMAKER LN, DESTIN, FL 32541-5729

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4573 SAILMAKER LN, DESTIN, FL 32541-5729
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034671698
Date	Jun 8, 2020
Book Page	3467/1698
Instrument	3363922

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 6, 2019
Property Address	4573 SAILMAKER LN, DESTIN, FL 32541-5729
Document Number	0034322528
Book / Page	3432 / 2528
Map Reference	MB 21 PG 20&21
Instrument Date	Dec 6, 2019
Instrument	3322654
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,484.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4404 MIRANDA WAY, CRESTVIEW, FL 32539-6712

Mortgage

Document Number	0034322530
Date	Dec 6, 2019
Instrument	3432-2530

Lender

Name	US BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2023
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.62%
Index	1-Year CMT
Max Rate	11.6%

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 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		$1,148,443 (+5.99%)	$1,398,165 (+12.48%) Land $277,749 Building $1,120,416
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$1,083,570 (+3%)	$1,243,083 (+18.16%) Land $244,677 Building $998,406
2022	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$1,052,010 Land $222,434 Building $829,576	$1,052,010 Land $222,434 Building $829,576

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
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 2021) 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 64% of the US · lower than 90% 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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