474 Captains Cir, Destin, FL 32541 Property Records

Okaloosa County property record for 474 Captains Cir, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	5 bd · 6.5 ba · 6,437 sqft · built 2016
Lot Size	0.54 acres (23,524 sqft)
Owner	2 Trust Names on File
Last Sale	$821,800 (Sep 2016)
Tax Bill	$25,161 (2025)
Deeds & Mortgages	May 2018 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`C56-000-589-5450-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-5450-4`
Alternative APNs	`00-2S-22-0515-0000-0270` `22S200051500000270`

Interior

Bedrooms	5 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,437 sqft Living Area
Gross Area	9,968 sqft
1st Floor Area	3,691 sqft
Flooring	Vinyl/Resilient
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Combination
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	23,524 sqft (0.54 acres)
Garage Type	Attached
Garage Area	810 sqft

Exterior Amenities

Porch	Slab
Porch Area	1,999 sqft
Patio Area	86 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	474 CAPTAINS CIR
City	DESTIN
State	FL
Zip	32541-5305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMMODORE POINT S/D LOT 27
Legal Subdivision	COMMODORE POINT S/D
Legal Block	1
Legal Lot Number	27
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2001
Census Tract	23308

Owner

474 Captains Cir is owner-occupied and held in a trust since September 2016.

Source: Okaloosa County records, as of October 2, 2026

Owner of Record	2 Trust Names on File
Mailing Address	474 CAPTAINS CIR, DESTIN, FL 32541-5305
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
May 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Dec 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Jun 18, 2020	Deed of Trust, Mortgage · Line of Credit REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2016 · Amount on File
Deed Sale	Sep 13, 2016 · Amount on File
Prior Sale	Oct 10, 2012 · Amount on File
Deed Document Number	20163089475
Deed Book / Page	3265 / 4516
Prior Transfer Date	Jul 10, 2002
Prior Transfer Doc	0001944322
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	474 CAPTAINS CIR, DESTIN, FL 32541-5305
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033522054
Date	May 31, 2018
Book Page	3352/2054
Instrument	3210371

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	474 CAPTAINS CIR, DESTIN, FL 32541-5305
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034311957
Date	Dec 2, 2019
Book Page	3431/1957
Instrument	3321295

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	474 CAPTAINS CIR, DESTIN, FL 32541-5305
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034693633
Date	Jun 18, 2020
Book Page	3469/3633
Instrument	3366599

Lender

Name	REGIONS BANK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	May 13, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 474 Captains Cir was $25,161 with a homeowner's exemption.

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	$25,161.00 Homeowner's exemption	$2,430,181	$3,955,062 Land $1,239,161 Building $2,715,901
2023	$23,979.00 (+2.04%) Homeowner's exemption	$2,292,905 (+3%)	$3,627,977 (+18.46%) Land $1,191,501 Building $2,436,476
2022	$23,499.00 Homeowner's exemption	$2,226,121	$3,062,680 Land $1,031,603 Building $2,031,077

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

Flood

FEMA maps place 474 Captains Cir in Zone X, an area of moderate flood risk, within 100 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 100 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 2016) 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 474 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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