4796 Trovare E, Destin, FL 32541 Property Records

Okaloosa County property record for 4796 Trovare E, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,412 sqft · built 1999
Lot Size	0.096 acres (4,185 sqft)
Owner	Individual Name on Record
Last Sale	$469,900 (Mar 2023)
Tax Bill	$4,243 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-5834-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-5834-7`
Alternative APN	`00-2S-22-5222-0000-0110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,412 sqft Heated Area
Gross Area	1,842 sqft
1st Floor Area	1,412 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Clay Tile
Lot Area	4,185 sqft (0.096 acres)
Porch	Open Porch
Porch Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4796 TROVARE E
City	DESTIN
State	FL
Zip	32541-5721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TUSCANY S/D LOT 11
Legal Range	22
Legal Township	02S
Legal Subdivision	TUSCANY S/D
Legal Lot Number	11
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1000
Census Tract	23308

Owner

Source: Okaloosa County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4796 TROVARE E, DESTIN, FL 32541-5721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2023	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Jul 25, 2019	Warranty Deed, Transfer · Conventional Mortgage KELLER MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2023 · Amount on Record
Deed Sale	Mar 7, 2023 · Amount on Record
Prior Sale	Jul 25, 2019 · Amount on Record
Deed Document Number	3609939
Deed Book / Page	3664 / 4722
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 7, 2023
Property Address	4796 TROVARE E, DESTIN, FL 32541-5721
Document Number	0036644722
Book / Page	3664 / 4722
Map Reference	MB 15 PG 85
Instrument Date	Mar 3, 2023
Instrument	3609939
Transaction Type	Transfer
Record Updated	Mar 29, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,289.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 905, DESTIN, FL 32540-0905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3321 SHARON AVE, DAYTON, OH 45429-3627

Mortgage

Document Number	0036644723
Date	Mar 7, 2023
Instrument	3664/4723

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 25, 2019
Property Address	4796 TROVARE E, DESTIN, FL 32541-5721
Document Number	0034103548
Book / Page	3410 / 3548
Map Reference	MB 15 PG 85
Instrument Date	Jul 23, 2019
Instrument	3293590
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	NCGILL ESCROW & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	609 N CAROLINA AVE SE, 609, WASHINGTON, DC 20003-4309

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 REDFISH CIR, SANTA ROSA BEACH, FL 32459-4514

Mortgage

Document Number	0034103549
Date	Jul 25, 2019
Instrument	3410-3549

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	$4,243.00 (-0.12%) Homeowner's exemption	$397,318 (+0.8%) Land $151,009 Building $246,309	$397,318 (+0.8%) Land $151,009 Building $246,309
2023	$4,248.00 (+13.89%) Homeowner's exemption	$394,162 (+14.76%) Land $137,019 Building $257,143	$394,162 (+14.76%) Land $137,019 Building $257,143
2022	$3,730.00	$343,465 Land $124,563 Building $218,902	$343,465 Land $124,563 Building $218,902

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
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

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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