471 Captains Cir, Destin, FL 32541 Property Records

Okaloosa County property record for 471 Captains Cir, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 4,466 sqft · built 2015
Lot Size	0.365 acres (15,877 sqft)
Owner	2 Company Names on File
Last Sale	$1,767,500 (Dec 2023)
Tax Bill	$18,977 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`C56-000-589-5478-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-5478-5`
Alternative APNs	`00-2S-22-0515-0000-0550` `22S200051500000550`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,466 sqft Living Area
Gross Area	6,487 sqft
1st Floor Area	3,237 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	15,877 sqft (0.365 acres)
Garage Type	Attached
Garage Area	814 sqft
Porch	Finished/Open Porch
Porch Area	1,207 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	471 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 55
Legal Subdivision	COMMODORE POINT S/D
Legal Block	1
Legal Lot Number	55
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2011
Census Tract	23308

Owner

471 Captains Cir is owned by a company that bought it in December 2023.

Source: Okaloosa County records, as of June 30, 2026

Owner of Record	2 Company Names on File
Mailing Address	471 CAPTAINS CIR, DESTIN, FL 32541-5307
Owner Type	Company
Vesting	Life Tenant

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
Feb 12, 2026	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Dec 20, 2023	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Feb 2, 2021	Warranty Deed, Subdivision Related Transfer NOT AVAILABLE, PRIORITY TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2023 · Amount on File
Deed Sale	Dec 20, 2023 · Amount on File
Prior Sale	Feb 2, 2021 · Amount on File
Deed Document Number	20233663013
Prior Transfer Date	Jun 13, 2016
Prior Transfer Doc	0032531613
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	471 CAPTAINS CIR, DESTIN, FL 32541-5307
Transaction Type	Mortgage
Record Updated	Mar 3, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	471 CAPTAINS CIR, DESTIN, FL 32541-5307

Mortgage

Document Number	0003798520
Date	Feb 12, 2026
Instrument	3798520

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 20, 2023
Property Address	471 CAPTAINS CIR, DESTIN, FL 32541-5307
Document Number	0003663013
Map Reference	MB 16 PG 73-76
Instrument Date	Dec 20, 2023
Instrument	3663013
Transaction Type	Transfer
Record Updated	Jan 25, 2024
Title Company	NOT AVAILABLE, BEACH LAND AND TTL SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,372.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	135 CARAWAY DR, NICEVILLE, FL 32578-3438

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	471 CAPTAINS CIR, DESTIN, FL 32541-5307

Mortgage

Document Number	0003663014
Date	Dec 20, 2023
Instrument	3663014

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Margin	3
Max Rate	11.5%

February 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 2, 2021
Property Address	471 CAPTAINS CIR, DESTIN, FL 32541-5307
Document Number	0035224042
Book / Page	3522 / 4042
Map Reference	MB 16 PG 73-76
Instrument Date	Feb 2, 2021
Instrument	3426879
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 10, 2022
Title Company	NOT AVAILABLE, PRIORITY TITLE

Transaction

Amount	Amount on Record
Tax	$10,990.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4164 WARD COVE DR, 4164, NICEVILLE, FL 32578-7115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	471 CAPTAINS CIR, DESTIN, FL 32541-5307
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 471 Captains Cir was $18,977.

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	$18,977.00	$1,819,668 Land $413,751 Building $1,405,917	$1,819,668 Land $413,751 Building $1,405,917
2023	$15,501.00 (+2.06%) Homeowner's exemption	$1,495,397 (+3%)	$1,820,042 (+18.95%) Land $307,124 Building $1,512,918
2022	$15,188.00 Homeowner's exemption	$1,451,842	$1,530,075 Land $265,908 Building $1,264,167

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

Flood

FEMA maps place 471 Captains Cir in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 2015) 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 471 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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