Okaloosa County property record for 4604 Opa Locka Ln, Destin, FL 32541
| Property Type | Vehicle Sales & Rentals |
|---|---|
| Details | 4,100 sqft · built 2002 |
| Lot Size | 0.5 acres (21,800 sqft) |
| Owner | Company Name on File |
| Last Sale | $900,000 (Jun 2002) |
| Tax Bill | $9,490 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-7709-1 |
| Primary APN | C56-000-589-7709-1 |
|---|---|
| Alternative APN |
|
| Total Rooms | 3 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 4,100 sqft Total Area |
| 1st Floor Area | 3,180 sqft |
| Office | 720 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plywood |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Fire Resistance | Masonry Walls, Wood Interior |
| Roof Type | Steel Frame/Truss |
| Roof Material | Metal |
| Lot Area | 21,800 sqft (0.5 acres) |
| Lot Dimensions | 218 ft deep x 100 ft wide |
| Cooling System | None |
|---|
| Street Address | 4604 OPA LOCKA LN |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-0710 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Vehicle Sales & Rentals |
| Legal Description | EMERALD LAKES COMMERCIAL S/D W 80FT LOT 7 AND THE E 20FT OF LOT 8 |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | EMERALD LAKES COMMERCIAL S/D |
| Legal Lot Number | 7 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 23308 |
4604 Opa Locka Ln, a commercial property, is owned by a company that bought it in June 2002.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Company Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3865 BROOKWOOD LN, BETTENDORF, IA 52722-7113 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 8, 2025 | Deed of Trust, Mortgage · Commercial Mortgage RENASANT BANK |
| Dec 4, 2017 | Deed of Trust, Mortgage · Commercial Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 10, 2002 · Amount on File |
| Deed Sale | Jun 10, 2002 · Amount on File |
| Deed Document Number | 1928502 |
| Deed Book / Page | 2363 / 0458 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4604 OPA LOCKA LN, DESTIN, FL 32541-0710 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4604 OPA LOCKA LN, DESTIN, FL 32541-0710 |
| Document Number | 0003772043 |
|---|---|
| Date | Sep 8, 2025 |
| Instrument | 3772043 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | MIRAMAR BEACH, FL 32550 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Sep 10, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4604 OPA LOCKA LN, DESTIN, FL 32541-0710 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0033281697 |
|---|---|
| Date | Dec 4, 2017 |
| Book Page | 3328/1697 |
| Instrument | 3175660 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78265 |
| Type | Commercial Mortgage |
|---|
The 2025 property tax bill for 4604 Opa Locka Ln was $9,490.
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,490.00 | $910,807 Land $612,612 Building $298,195 | $910,807 Land $612,612 Building $298,195 |
| 2023 | $8,327.00 (+5.47%) | $825,403 (+3.86%) Land $577,500 Building $247,903 | $825,403 (+3.86%) Land $577,500 Building $247,903 |
| 2022 | $7,895.00 | $794,696 Land $550,000 Building $244,696 | $794,696 Land $550,000 Building $244,696 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4604 Opa Locka Ln 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 |
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 2002) 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.
The area around 4604 Opa Locka Ln has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 467 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 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: CenturyLink.
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