4575 Nautical Ct, Destin, FL 32541 Property Records

Okaloosa County property record for 4575 Nautical Ct, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,926 sqft · built 1998
Lot Size	0.376 acres (16,373 sqft)
Owner	2 Company Names on File
Last Sale	$902,500 (Sep 2026)
Tax Bill	$4,260 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-5527-9`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-5527-9`
Alternative APNs	`00-2S-22-0515-0000-1040` `22S200051500001040`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,926 sqft Living Area
Gross Area	4,025 sqft
1st Floor Area	2,926 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood Frame (Stucco or Asbestos)
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	16,373 sqft (0.376 acres)
Garage Type	Attached
Garage Area	560 sqft
Driveway	Driveway
Porch	Slab
Porch Area	539 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4575 NAUTICAL CT
City	DESTIN
State	FL
Zip	32541-5321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMMODORE POINT S/D LOT 104
Legal Subdivision	COMMODORE POINT S/D
Legal Block	1
Legal Lot Number	104
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2001
Census Tract	23308

Owner

4575 Nautical Ct is owned by a company that bought it in September 2026.

Source: Okaloosa County records, as of October 21, 2026

Owner of Record	2 Company Names on File
Mailing Address	224 RIVERCREST CIR, SANTA ROSA BEACH, FL 32459-2626
Owner Type	Company
Vesting	Life Tenant

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
Sep 30, 2026	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC
Oct 22, 2018	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2026 · Amount on File
Deed Sale	Sep 30, 2026 · Amount on File
Deed Document Number	20263841605
Prior Transfer Date	Nov 13, 2000
Prior Transfer Doc	0001805109
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 30, 2026
Property Address	4575 NAUTICAL CT, DESTIN, FL 32541-5321
Document Number	0003841605
Instrument Date	Sep 30, 2026
Instrument	20263841605
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$638,067.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	224 RIVERCREST CIR, SANTA ROSA BEACH, FL 32459-2626

Mortgage

Document Number	0003841606,
Date	Sep 30, 2026
Instrument	20263841606

Lender

Name	LOWER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4575 NAUTICAL CT, DESTIN, FL 32541-5321
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033714517
Date	Oct 22, 2018
Book Page	3371/4517
Instrument	3238904

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 12, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4575 Nautical Ct was $4,260.

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	$4,260.00	$447,683	$1,066,364 Land $413,751 Building $652,613
2023	$4,042.00 (+1.08%) Homeowner's exemption Widower's exemption	$422,394 (+3%)	$913,139 (+11.64%) Land $307,124 Building $606,015
2022	$3,999.00 Homeowner's exemption Widower's exemption	$410,091	$817,957 Land $265,908 Building $552,049

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 4575 Nautical Ct in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1995.

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 1998) 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

Wildfire risk around 4575 Nautical Ct 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 99.1% of the US · lower than 98.7% 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	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 150 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 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Wildstar Networks.

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