4644 Sunsail Cir, Destin, FL 32541 Property Records

Okaloosa County property record for 4644 Sunsail Cir, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,651 sqft · built 1997
Lot Size	0.123 acres (5,400 sqft)
Owner	Individual Name on File
Last Sale	$265,500 (Apr 2016)
Tax Bill	$2,639 (2025)
Deeds & Mortgages	Jan 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-4970-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4970-2`
Alternative APN	`00-2S-22-0385-0000-0520`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,651 sqft Heated Area
Gross Area	2,151 sqft
1st Floor Area	1,651 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	5,400 sqft (0.123 acres)
Garage Type	Finished
Garage Area	440 sqft
Porch	Open Porch
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4644 SUNSAIL CIR
City	DESTIN
State	FL
Zip	32541-4756
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSAIL S/D LOT 52
Legal Range	22
Legal Township	02S
Legal Subdivision	SUNSAIL S/D
Legal Lot Number	52
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1002
Census Tract	23308

Owner

Source: Okaloosa County records · APN C56-000-589-4970-2

Assessment roll updated July 1, 2025 · Last verified February 2026

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	8065 EDGERTON CT, COLORADO SPRINGS, CO 80919-3848
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 19, 2016 · Amount on Record
Deed Sale	Apr 19, 2016 · Amount on Record
Prior Sale	Jun 03, 2013 · Amount on Record
Deed Document Number	0032440403
Deed Book / Page	003244 / 000403
Last Transfer Date	Jan 20, 2026
Transfer Doc	0003794242
Record Updated	Jun 08, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Jan 20, 2026
Property Address	4644 SUNSAIL CIR, DESTIN, FL 32541-4756
Document Number	0003794242
Map Reference	MB 15 PG 98
Instrument Date	Jan 15, 2026
Instrument	3794242
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4644 SUNSAIL CIR, DESTIN, FL 32541-4756

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8065 EDGERTON CT, COLORADO SPRINGS, CO 80919-3848

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified February 2026

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Destin City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,639.00 (+5.94%) Homeowner's exemption	$261,923 (+5.99%)	$404,923 (+3.62%) Land $194,761 Building $210,162
2023	$2,491.00 (+2.59%) Homeowner's exemption	$247,127 (+3%)	$390,788 (+9.99%) Land $130,902 Building $259,886
2022	$2,428.00 Homeowner's exemption	$239,929	$355,300 Land $119,002 Building $236,298

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 8, 2021 · FEMA NFIP claims and policies as of September 2026 · USFWS Coastal Barrier Resources System as of December 19, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	Hurricane Frances, Oct 2004 · 6 claims Hurricane Georges, Sep 1998 · 4 claims Hurricane Opal, Oct 1995 · 38 claims

Coastal Barrier Resources

Coastal Barrier Resources System	Yes
Unit	P32 “Moreno Point”
Unit Type	System Unit
Designated	Oct 18, 1982
NFIP Eligibility	Not eligible (built 1997) built after the Oct 1, 1983 cutoff · private flood insurance only

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 USA Fixed Wireless	100 / 20

Based on FCC filings for 459 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	DESTIN WATER USERS, INC. private · serves 31,752 people
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	2 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.