4796 Ocean Blvd, Destin, FL 32541 Property Records

Okaloosa County property record for 4796 Ocean Blvd, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,961 sqft · built 1998
Lot Size	0.078 acres (3,396 sqft)
Owner	2 Individual Names on File
Last Sale	$1,150,000 (Jan 2019)
Tax Bill	$15,012 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Jan 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-3972-9`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-3972-9`
Alternative APNs	`00-2S-22-0075-0000-0820` `22S200007500000820`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,961 sqft Living Area
Gross Area	3,837 sqft
1st Floor Area	888 sqft
Upper Floors Area	2,073 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
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	460 sqft
Porch	Slab
Porch Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4796 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 82
Legal Subdivision	DESTINY BY THE SEA S/D
Legal Lot Number	82
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1027
Census Tract	23308

Owner

4796 Ocean Blvd is owned by two individuals who bought it in January 2019.

Source: Okaloosa County records, as of January 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	286 HIGHLAND VIEW DR, BIRMINGHAM, AL 35242-6874
Owner Type	Individual

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
Dec 3, 2020	Warranty Deed, Transfer · Conventional Mortgage ALABAMA TELCO CU
Jan 24, 2019	Warranty Deed, Transfer · Commercial Mortgage COMMUNITY TRUST BANK INC
Dec 21, 2017	Loan Modification, Mortgage MOUNTAIN CMRC BK
Jan 30, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2019 · Amount on File
Deed Sale	Jan 24, 2019 · Amount on File
Prior Sale	Feb 17, 2005 · Amount on File
Deed Document Number	20193255030
Deed Book / Page	3382 / 3724
Prior Transfer Date	Jan 26, 2017
Prior Transfer Doc	0032852607
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 3, 2020
Property Address	4796 OCEAN BLVD, DESTIN, FL 32541-5741
Document Number	0035094215
Book / Page	3509 / 4215
Map Reference	MB 16 PG 21&22
Instrument Date	Dec 1, 2020
Instrument	3412281
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	VINTAGE TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	250 E COURT ST, 250, LAWRENCEBURG, KY 40342-1171

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 HIGHLAND VIEW DR, BIRMINGHAM, AL 35242-6874

Mortgage

Document Number	0035094217
Date	Dec 3, 2020
Instrument	3509/4217

Lender

Name	ALABAMA TELCO CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 24, 2019
Property Address	4796 OCEAN BLVD, DESTIN, FL 32541-5741
Document Number	0033823724
Book / Page	3382 / 3724
Map Reference	MB 16 PG 21-22
Instrument Date	Jan 17, 2019
Instrument	3255030
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	CUSTOMERS FIRST TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	620 MABRY HOOD RD, 620, KNOXVILLE, TN 37932-2661

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	250 E COURT ST, LAWRENCEBURG, KY 40342-1171

Mortgage

Document Number	0033823729
Date	Jan 24, 2019
Book Page	3382/3729
Instrument	3255033

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	FRANKFORT, KY 40601

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 17, 2039

Interest

Rate Type	Adjustable Rate

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	4796 OCEAN BLVD, DESTIN, FL 32541-5741
Document Number	0033321346
Book / Page	003332 / 001346
Instrument Date	Dec 21, 2017
Transaction Type	Mortgage
Record Updated	Jan 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	140 GANEGA TRL VONORE TN 378852653, VONORE, TN 37885-2653

Mortgage

Document Number	0033321346
Date	Jan 4, 2018
Book Page	003332/001346
Instrument	3181061

Lender

Name	MOUNTAIN CMRC BK
Type	Bank
Address	PO BOX 6047, JOHNSON CITY, TN 37602-6047

Agreement

Amount	Amount on Record
Term	12 Months
Due	Jan 3, 2019

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 30, 2017
Property Address	4796 OCEAN BLVD, DESTIN, FL 32541-5741
Document Number	0032852607
Book / Page	003285 / 002607
Instrument Date	Jan 26, 2017
Instrument	3115075
Transaction Type	Transfer
Record Updated	Feb 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	620 MABRY HOOD RD #201 KNOXVILLE TN 379322661, 201, KNOXVILLE, TN 37932-2661

Tax Assessment & Valuation

The 2025 property tax bill for 4796 Ocean Blvd was $15,012.

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	$15,012.00	$1,344,350 Land $608,615 Building $735,735	$1,344,350 Land $608,615 Building $735,735
2023	$13,549.00 (+14.8%)	$1,298,842 (+21.8%) Land $409,060 Building $889,782	$1,298,842 (+21.8%) Land $409,060 Building $889,782
2022	$11,802.00	$1,066,391 Land $350,055 Building $716,336	$1,066,391 Land $350,055 Building $716,336

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

Flood

FEMA maps place 4796 Ocean Blvd in Zone X, an area of minimal 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 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 File 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

The area around 4796 Ocean Blvd has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Nearby Properties on Ocean Blvd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures