Okaloosa County property record for 4654 Sunsail Cir, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,968 sqft · built 1999 |
| Lot Size | 0.116 acres (5,059 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $510,000 (Jun 2026) |
| Tax Bill | $5,169 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Jan 2026 Sale & Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-4965-2 |
| Primary APN | C56-000-589-4965-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,968 sqft Living Area |
| Gross Area | 2,925 sqft |
| 1st Floor Area | 1,968 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 5,059 sqft (0.116 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 108 sqft |
| Patio Area | 429 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4654 SUNSAIL CIR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-4756 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNSAIL S/D LOT 47 |
| Legal Subdivision | SUNSAIL S/D |
| Legal Lot Number | 47 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 23308 |
Source: Okaloosa County assessment roll, 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 File |
|---|---|
| Mailing Address | 8191 S YUKON WAY, LITTLETON, CO 80128-5594 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 16, 2026 | Warranty Deed, Transfer GIANNELL TITLE LLC |
| Jan 30, 2026 | Warranty Deed, Transfer · Line of Credit OPS LOANS LLC |
| Jan 30, 2026 | Correction Deed GIANNELL TITLE LLC |
| Oct 5, 2020 | Warranty Deed, Transfer · Commercial Mortgage GULF COAST BANK & TRUST CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 16, 2026 · Amount on Record |
| Deed Sale | Jun 16, 2026 · Amount on Record |
| Prior Sale | Jan 30, 2026 · Amount on Record |
| Deed Document Number | 20263822656 |
| Prior Transfer Date | Jan 23, 2026 |
| Prior Transfer Doc | 0003796277 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 16, 2026 |
| Property Address | 4654 SUNSAIL CIR, DESTIN, FL 32541-4756 |
| Document Number | 0003822656 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 20263822656 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2026 |
| Title Company | GIANNELL TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $360,570.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8191 S YUKON WAY, LITTLETON, CO 80128-5594 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 30, 2026 |
| Property Address | 4654 SUNSAIL CIR, DESTIN, FL 32541-4756 |
| Document Number | 0003796280 |
| Map Reference | MB 15 PG 98-101 |
| Instrument Date | Jan 23, 2026 |
| Instrument | 3796280 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2026 |
| Title Company | GIANNELL TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 180 N DEVEREUX CT NW, ATLANTA, GA 30327-4351 |
| Name | Verified Name |
|---|---|
| Address | 7901 4TH ST N STE 300, 300, ST PETERSBURG, FL 33702-4399 |
| Investor | Possibly a Property Investor |
| Document Number | 0003796282 |
|---|---|
| Date | Jan 30, 2026 |
| Instrument | 3796282 |
| Name | OPS LOANS LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 30, 2026 |
| Property Address | 4654 SUNSAIL CIR, DESTIN, FL 32541-4756 |
| Document Number | 0003796277 |
| Map Reference | MB 15 PG 98-101 |
| Instrument Date | Jan 20, 2026 |
| Instrument | 3796277 |
| Record Updated | Feb 17, 2026 |
| Title Company | GIANNELL TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 180 N DEVEREUX CT NW, ATLANTA, GA 30327-4351 |
| Name | Verified Name |
|---|---|
| Address | 180 N DEVEREUX CT NW, ATLANTA, GA 30327-4351 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 5, 2020 |
| Property Address | 4654 SUNSAIL CIR, DESTIN, FL 32541-4756 |
| Document Number | 0034963087 |
| Book / Page | 3496 / 3087 |
| Map Reference | MB 15 PG 98-101 |
| Instrument Date | Aug 25, 2020 |
| Instrument | 3396207 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,485.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 415 GREENDALE DR, 415, JANESVILLE, WI 53546-1945 |
| Name | Verified Name |
|---|---|
| Address | 180 N DEVEREUX CT NW, ATLANTA, GA 30327-4351 |
| Document Number | 0034963089 |
|---|---|
| Date | Oct 5, 2020 |
| Instrument | 3496/3089 |
| Name | GULF COAST BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Sep 25, 2040 |
| Rate Type | Adjustable Rate |
|---|
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 | $5,169.00 (+10.21%) | $436,469 (+1.56%) Land $194,761 Building $241,708 | $436,469 (+1.56%) Land $194,761 Building $241,708 |
| 2023 | $4,690.00 (+8.97%) | $429,756 (+10.05%) Land $130,902 Building $298,854 | $429,756 (+10.05%) Land $130,902 Building $298,854 |
| 2022 | $4,304.00 | $390,524 Land $119,002 Building $271,522 | $390,524 Land $119,002 Building $271,522 |
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 1999) 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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