4726 Serendipity Pt, Destin, FL 32541 Property Records

Okaloosa County property record for 4726 Serendipity Pt, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,276 sqft · built 1999
Lot Size	0.18 acres (7,844 sqft)
Owner	Company Name on File
Last Sale	$1,599,000 (Mar 2026)
Tax Bill	$18,894 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jul 2023 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`C56-000-589-3755-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-3755-8`
Alternative APNs	`00-2S-22-0072-0000-0190` `22S200007200000190`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,276 sqft Living Area
Gross Area	5,722 sqft
1st Floor Area	1,531 sqft
Upper Floors Area	1,745 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	7,844 sqft (0.18 acres)
Garage Type	Attached
Garage Area	748 sqft
Porch	Finished/Open Porch
Porch Area	1,698 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4726 SERENDIPITY PT
City	DESTIN
State	FL
Zip	32541-4774
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESTINY EAST PH I LOT 19
Legal Subdivision	DESTINY EAST PH I
Legal Phase	1
Legal Lot Number	19
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1023
Census Tract	23308

Owner

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	Company Name on File
Mailing Address	505 MALLARD DR, JONESBORO, AR 72401-7139
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 12, 2023	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Nov 1, 2021	Warranty Deed, Transfer · Line of Credit FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 17, 2026 · Amount on Record
Deed Sale	Mar 17, 2026 · Amount on Record
Prior Sale	Jul 12, 2023 · Amount on Record
Deed Document Number	20263804799
Record Updated	Jun 8, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 17, 2026
Property Address	4726 SERENDIPITY PT, DESTIN, FL 32541-4774
Document Number	0003804799
Map Reference	MB 16 PG 23
Instrument Date	Mar 12, 2026
Instrument	3804799
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$11,193.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	505 MALLARD DR, JONESBORO, AR 72401-7139

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003804800
Date	Mar 17, 2026
Instrument	3804800

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 12, 2023
Property Address	4726 SERENDIPITY PT, DESTIN, FL 32541-4774
Document Number	0036831504
Book / Page	3683 / 1504
Map Reference	MB 16 PG 23-27
Instrument Date	Jul 8, 2023
Instrument	3635012
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$8,078.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 MALLARD DR, JONESBORO, AR 72401-7139

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 1, 2021
Property Address	4726 SERENDIPITY PT, DESTIN, FL 32541-4774
Document Number	0035840915
Book / Page	3584 / 915
Map Reference	MB 16 PG 23-27
Instrument Date	Oct 29, 2021
Instrument	3501624
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FLORIDA TITLE PROFESSIONAL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$10,605.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18700 OTTER CREEK DR, 18700, EDMOND, OK 73012-4126

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	505 MALLARD DR, JONESBORO, AR 72401-7139

Mortgage

Document Number	0035840917
Date	Nov 1, 2021
Book Page	3584/917
Instrument	3501625

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	JONESBORO, AR 72403

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2041

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$18,894.00 (+3.35%)	$1,595,367 (-0.33%) Land $606,733 Building $988,634	$1,595,367 (-0.33%) Land $606,733 Building $988,634
2023	$18,281.00 (+13.47%)	$1,600,724 (+19.73%) Land $407,796 Building $1,192,928	$1,600,724 (+19.73%) Land $407,796 Building $1,192,928
2022	$16,111.00	$1,336,945 Land $370,723 Building $966,222	$1,336,945 Land $370,723 Building $966,222

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

Flood

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
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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Drinking Water

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

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 467 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 · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Lumen Technologies.

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