4622 Sunsail Cir, Destin, FL 32541 Property Records

Okaloosa County property record for 4622 Sunsail Cir, Destin, FL 32541

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,109 sqft · built 1997
Lot Size0.145 acres (6,346 sqft)
OwnerIndividual Name on Record
Last Sale$430,000 (Jul 2021)
Tax Bill$4,852 (2025)
Deeds & MortgagesJul 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNC56-000-589-4979-3

Property Details

APN / Parcel Number

Primary APNC56-000-589-4979-3
Alternative APN
  • 00-2S-22-0385-0000-0630

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,109 sqft Heated Area
Gross Area2,883 sqft
1st Floor Area2,109 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1997
Exterior MaterialBrick
Roof TypeCathedral/Clerestory
Roof MaterialWood
Lot Area6,346 sqft (0.145 acres)
Garage TypeFinished
Garage Area420 sqft
PorchOpen Porch
Porch Area354 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address4622 SUNSAIL CIR
CityDESTIN
StateFL
Zip32541-4756
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUNSAIL S/D LOT 63
Legal Range22
Legal Township02S
Legal SubdivisionSUNSAIL S/D
Legal Lot Number63
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group1
Census Block1002
Census Tract23308

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address4622 SUNSAIL CIR, DESTIN, FL 32541-4756
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 27, 2021 · Amount on Record
Deed SaleJul 27, 2021 · Amount on Record
Deed Document Number3475118
Deed Book / Page3562 / 4298
Record UpdatedJun 8, 2026

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateJul 27, 2021
Property Address4622 SUNSAIL CIR, DESTIN, FL 32541-4756
Document Number0035624298
Book / Page3562 / 4298
Map ReferenceMB 15 PG 98-101
Instrument DateJul 23, 2021
Instrument3475118
Transaction TypeTransfer
Record UpdatedAug 17, 2021
Title CompanyVINTAGE TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,010.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4622 SUNSAIL CIR, 4622, DESTIN, FL 32541-4756

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address20190 FOOTHILL TER, ASHBURN, VA 20147-2734

Mortgage

Document Number35624300
DateJul 27, 2021
Instrument3562/4300
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2051

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
MunicipalityDestin City
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,852.00 (+6.22%) Homeowner's exemption$448,762 (+6.6%)$455,041 (+1.17%) Land $194,761 Building $260,280
2023$4,568.00 (+2.38%) Homeowner's exemption$420,985 (+3%)$449,770 (+10.04%) Land $130,902 Building $318,868
2022$4,462.00 Homeowner's exemption$408,723 Land $119,002 Building $289,721$408,723 Land $119,002 Building $289,721

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 95 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies251 units insured
incl. 156 condo units
Nearby Flood Claims51 (1983–2005)
Claims Outside the SFHA39 of 51
Most Recent ClaimJul 2005 · Hurricane Dennis
Claims by Event
  • Hurricane Frances, Oct 2004 · 6 claims
  • Hurricane Georges, Sep 1998 · 4 claims
  • Hurricane Opal, Oct 1995 · 38 claims

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources SystemYes
UnitP32 “Moreno Point”
Unit TypeSystem Unit
DesignatedOct 18, 1982
NFIP EligibilityNot eligible (built 1997)
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 RiskNot 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 SystemDESTIN WATER USERS, INC.
private · serves 31,752 people · EPA ID FL1460202
Water SourceGroundwater
Last State InspectionJan 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 459 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
LiveOak Fiber
Fiber
5,000 / 5,000
AT&T
Fiber · Fixed Wireless
5,000 / 5,000
Cox Communications
Cable
2,000 / 100
Verizon
Fixed Wireless
300 / 20
T-Mobile
Fixed Wireless
100 / 20

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