465 Captains Cir, Destin, FL 32541 Property Records

Okaloosa County property record for 465 Captains Cir, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,465 sqft · built 2000
Lot Size	0.355 acres (15,474 sqft)
Owner	2 Individual Names on File
Last Sale	$1,770,000 (Sep 2025)
Tax Bill	$14,690 (2025)
Deeds & Mortgages	Sep 2025 Sale Apr 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-5481-9`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-5481-9`
Alternative APNs	`00-2S-22-0515-0000-0580` `22S200051500000580`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,465 sqft Living Area
Gross Area	5,074 sqft
1st Floor Area	3,465 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2015
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	15,474 sqft (0.355 acres)
Garage Type	Attached
Garage Area	857 sqft
Porch	Finished/Open Porch
Porch Area	752 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	465 CAPTAINS CIR
City	DESTIN
State	FL
Zip	32541-5307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMMODORE POINT S/D LOT 58
Legal Subdivision	COMMODORE POINT S/D
Legal Block	1
Legal Lot Number	58
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2011
Census Tract	23308

Owner

465 Captains Cir is owned by two individuals who bought it in September 2025.

Source: Okaloosa County records, as of January 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1661 SAN MARINA BLVD, MIRAMAR BEACH, FL 32550-5811
Owner Type	Individual
Vesting	Tenants by the Entirety

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 12, 2025	Special Warranty Deed, Transfer BRIGHTLINE TITLE LLC
Apr 24, 2023	Warranty Deed, Transfer · Commercial Mortgage THE FIRST NATIONAL BANK OF JEANERET
Jul 24, 2020	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC
Apr 30, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2025 · Amount on File
Deed Sale	Sep 12, 2025 · Amount on File
Prior Sale	Apr 24, 2023 · Amount on File
Deed Document Number	20253772885
Prior Transfer Date	Apr 27, 2018
Prior Transfer Doc	0033474382
Record Updated	Jun 8, 2026

September 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 12, 2025
Property Address	465 CAPTAINS CIR, DESTIN, FL 32541-5307
Document Number	0003772885
Map Reference	MB 16 PG 73-76
Instrument Date	Sep 8, 2025
Instrument	3772885
Transaction Type	Transfer
Record Updated	Oct 1, 2025
Title Company	BRIGHTLINE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$12,390.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	801 BRICKELL KEY BLVD APT 1911, 1911, MIAMI, FL 33131-3718

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1661 SAN MARINA BLVD, MIRAMAR BEACH, FL 32550-5811

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 24, 2023
Property Address	465 CAPTAINS CIR, DESTIN, FL 32541-5307
Document Number	0036720153
Book / Page	3672 / 153
Map Reference	MB 16 PG 73-76
Instrument Date	Apr 24, 2023
Instrument	3619496
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	122 TELFORD PL, DOTHAN, AL 36305-6954

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 MAIN ST, HIGHLANDS, NC 28741-9207

Mortgage

Document Number	0003672155
Date	Apr 24, 2023
Instrument	3672/155

Lender

Name	THE FIRST NATIONAL BANK OF JEANERET
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	6 Months
Due	Oct 24, 2023

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 24, 2020
Property Address	465 CAPTAINS CIR, DESTIN, FL 32541-5307
Document Number	0034780087
Book / Page	003478 / 000087
Instrument Date	Jul 23, 2020
Instrument	3375963
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount on Record
Tax	$7,700.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4706 SEASTAR VIS DESTIN FL 325414795, DESTIN, FL 32541-4795

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 30, 2018
Property Address	465 CAPTAINS CIR, DESTIN, FL 32541-5307
Document Number	0033474382
Book / Page	003347 / 004382
Instrument Date	Feb 8, 2018
Instrument	3203825
Transaction Type	Transfer
Record Updated	May 8, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	465 CAPTAINS CIR DESTIN FL 325415307, DESTIN, FL 32541-5307

Tax Assessment & Valuation

The 2025 property tax bill for 465 Captains Cir was $14,690, up 11.4% from the year before.

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	$14,690.00 (+11.4%)	$1,415,440 (+13.03%) Land $413,751 Building $1,001,689	$1,415,440 (+13.03%) Land $413,751 Building $1,001,689
2024	$13,187.00 (+14.91%)	$1,252,286 (+3.4%) Land $328,623 Building $923,663	$1,252,286 (+3.4%) Land $328,623 Building $923,663
2023	$11,476.00 (+13.51%)	$1,211,165 (+18.44%) Land $307,124 Building $904,041	$1,211,165 (+18.44%) Land $307,124 Building $904,041
2022	$10,110.00	$1,022,586 Land $265,908 Building $756,678	$1,022,586 Land $265,908 Building $756,678

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

Flood

FEMA maps place 465 Captains Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
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 2000) 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 465 Captains Cir 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 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.

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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