Okaloosa County property record for 4635 Sunset Pointe, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 6 ba · 3,602 sqft · built 2019 |
| Lot Size | 0.201 acres (8,756 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,875,000 (Nov 2024) |
| Tax Bill | $18,392 (2025) |
| Deeds & Mortgages | May 2019 Mortgage Mar 2019 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-5277-1 |
| Primary APN | C56-000-589-5277-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 6 Baths |
| Stories | 2 Stories |
| Building Area | 3,602 sqft Heated Area |
| Gross Area | 4,691 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Masonite/Cement Shake |
| Lot Area | 8,756 sqft (0.201 acres) |
| Garage Type | Detached |
| Garage Area | 441 sqft |
| Porch | Open Porch |
| Porch Area | 648 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4635 SUNSET POINTE |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3791 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DESTINY S/D LOT 86 |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | DESTINY S/D |
| Legal Lot Number | 86 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 23308 |
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 | 5078 CENTRAL PIKE, MOUNT JULIET, TN 37122-3531 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 3, 2019 | Deed of Trust, Mortgage · ARM UBS BANK USA |
| Mar 18, 2019 | Warranty Deed, Transfer NOT AVAILABLE |
| Feb 15, 2019 | Warranty Deed, Transfer AQUA TITLE SERVICES, AQUA TITLE SVCS |
| May 8, 2018 | Warranty Deed, Transfer FIRST FLORIDA BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 27, 2024 · Amount on Record |
| Deed Sale | Nov 27, 2024 · Amount on Record |
| Prior Sale | Mar 18, 2019 |
| Deed Document Number | 3725395 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4635 SUNSET POINTE, DESTIN, FL 32541-3791 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Title Company | AQUA TITLE |
| Name | Verified Name |
|---|
| Document Number | 0033971666 |
|---|---|
| Date | May 3, 2019 |
| Book Page | 3397/1666 |
| Instrument | 3275296 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84111 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.87% |
| Index | 1-Year LIBOR |
| Max Rate | 8.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 18, 2019 |
| Property Address | 4635 SUNSET POINTE, DESTIN, FL 32541-3791 |
| Document Number | 0033891949 |
| Book / Page | 003389 / 001949 |
| Instrument Date | Mar 11, 2019 |
| Instrument | 3264990 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 13580 BRENTWOOD LANECARMEL INDIANA IN 46033, INDIANA, IN 46033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 15, 2019 |
| Property Address | 4635 SUNSET POINTE, DESTIN, FL 32541-3791 |
| Document Number | 0033851340 |
| Book / Page | 003385 / 001340 |
| Instrument Date | Feb 11, 2019 |
| Instrument | 3258992 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2019 |
| Title Company | AQUA TITLE SERVICES, AQUA TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $8,050.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 13580 BRENTWOOD LN CARMEL IN 460339488, CARMEL, IN 46033-9488 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 8, 2018 |
| Property Address | 4635 SUNSET POINTE, DESTIN, FL 32541-3791 |
| Document Number | 0033491662 |
| Book / Page | 3349 / 1662 |
| Map Reference | MB14 PG60-63 |
| Instrument Date | May 3, 2018 |
| Instrument | 3205685 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2022 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1789 BAYNARD LOOP W, 1789, GERMANTOWN, TN 38139-4507 |
| Name | Verified Name |
|---|---|
| Address | 1509 GASTON AVE, AUSTIN, TX 78703-2450 |
| Document Number | 0003205686 |
|---|---|
| Date | May 8, 2018 |
| Instrument | 3205686 |
| Name | FIRST FLORIDA BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $18,392.00 (+37.09%) | $1,552,949 (+20.58%) Land $404,489 Building $1,148,460 | $1,552,949 (+20.58%) Land $404,489 Building $1,148,460 |
| 2023 | $13,416.00 (+14.2%) | $1,287,847 (+20.52%) Land $271,864 Building $1,015,983 | $1,287,847 (+20.52%) Land $271,864 Building $1,015,983 |
| 2022 | $11,748.00 | $1,068,552 Land $247,149 Building $821,403 | $1,068,552 Land $247,149 Building $821,403 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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 2019) 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% 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.
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 |
| 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 459 locations within half a mile, as of December 31, 2025
| Provider | Max 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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