4794 Ocean Blvd, Destin, FL 32541 Property Records

Okaloosa County property record for 4794 Ocean Blvd, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,078 sqft · built 1998
Lot Size	0.078 acres (3,396 sqft)
Owner	2 Individual Names on Record
Last Sale	$852,000 (Jun 2017)
Tax Bill	$12,287 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-3971-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-3971-1`
Alternative APNs	`00-2S-22-0075-0000-0810` `22S200007500000810`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,078 sqft Living Area
Gross Area	3,074 sqft
1st Floor Area	672 sqft
Upper Floors Area	1,406 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	3,396 sqft (0.078 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Florida Room
Porch Area	532 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4794 OCEAN BLVD
City	DESTIN
State	FL
Zip	32541-5741
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESTINY BY THE SEA S/D LOT 81
Legal Subdivision	DESTINY BY THE SEA S/D
Legal Lot Number	81
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1027
Census Tract	23308

Owner

Source: Okaloosa County records, as of August 27, 2026

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	5963 SNYDER RD, CINCINNATI, OH 45247-5727
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK
Jun 27, 2017	Warranty Deed, Transfer · ARM FIRST FINANCIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2017 · Amount on Record
Deed Sale	Jun 27, 2017 · Amount on Record
Prior Sale	May 6, 2010 · Amount on Record
Deed Document Number	20173143732
Deed Book / Page	3305 / 4008
Prior Transfer Date	Mar 30, 2007
Prior Transfer Doc	0027753701
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4794 OCEAN BLVD, DESTIN, FL 32541-5741
Transaction Type	Mortgage
Record Updated	May 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1188 GREENERY LN, CINCINNATI, OH 45233-4892

Mortgage

Document Number	0035420898
Date	Apr 26, 2021
Book Page	3542/898
Instrument	3449741

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 27, 2017
Property Address	4794 OCEAN BLVD, DESTIN, FL 32541-5741
Document Number	0033054008
Book / Page	3305 / 4008
Map Reference	MB16 PG21
Instrument Date	Jun 23, 2017
Instrument	3143732
Transaction Type	Transfer
Record Updated	Jan 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	207 W 3RD ST, 207, MOUNT PLEASANT, TX 75455-3922

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4794 OCEAN BLVD, DESTIN, FL 32541-5741
Investor	Possibly a Property Investor

Mortgage

Document Number	0003143733
Date	Jun 27, 2017
Instrument	3143733

Lender

Name	FIRST FINANCIAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Jul 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	9.87%

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	$12,287.00 (+13.69%)	$1,124,398 (+9.05%) Land $608,615 Building $515,783	$1,124,398 (+9.05%) Land $608,615 Building $515,783
2023	$10,807.00 (+15.14%)	$1,031,047 (+22.57%) Land $409,060 Building $621,987	$1,031,047 (+22.57%) Land $409,060 Building $621,987
2022	$9,386.00	$841,174 Land $350,055 Building $491,119	$841,174 Land $350,055 Building $491,119

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 minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
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 1998) 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

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	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 Fixed Wireless	100 / 20

May also be available: CenturyLink.

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