Okaloosa County property record for 4651 Sunsail Cir, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,520 sqft · built 2000 |
| Lot Size | 0.102 acres (4,460 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $145,900 (Feb 2001) |
| Tax Bill | $1,715 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-4995-9 |
| Primary APN | C56-000-589-4995-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,520 sqft Living Area |
| Gross Area | 2,160 sqft |
| 1st Floor Area | 1,520 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 4,460 sqft (0.102 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 100 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4651 SUNSAIL CIR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-5725 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNSAIL S/D LOT 79 |
| Legal Subdivision | SUNSAIL S/D |
| Legal Lot Number | 79 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 23308 |
Source: Okaloosa County records, as of December 31, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4651 SUNSAIL CIR, DESTIN, FL 32541-5725 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 5, 2001 · Amount on Record |
| Deed Sale | Feb 5, 2001 · Amount on Record |
| Deed Document Number | 20011819437 |
| Deed Book / Page | 2280 / 1986 |
| Last Transfer Date | Apr 4, 2014 |
| Transfer Doc | 0031424321 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4651 SUNSAIL CIR, DESTIN, FL 32541-5725 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0034392893 |
|---|---|
| Date | Jan 21, 2020 |
| Book Page | 3439/2893 |
| Instrument | 3331623 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
Source: Okaloosa County assessment roll, as of December 31, 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 | $1,715.00 (+6.39%) Homeowner's exemption | $183,893 (+5.99%) | $391,769 (+4.62%) Land $194,761 Building $197,008 |
| 2023 | $1,612.00 (+2.94%) Homeowner's exemption | $173,505 (+3%) | $374,451 (+10.04%) Land $130,902 Building $243,549 |
| 2022 | $1,566.00 Homeowner's exemption | $168,451 | $340,289 Land $119,002 Building $221,287 |
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 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.
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 | 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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