4797 Ocean Blvd, Destin, FL 32541 Property Records

Okaloosa County property record for 4797 Ocean Blvd, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,394 sqft · built 2000
Lot Size	0.056 acres (2,429 sqft)
Owner	Company Name on File
Last Sale	$1,275,000 (Jan 2022)
Tax Bill	$14,207 (2025)
Deeds & Mortgages	Jan 2022 Sale & Line of Credit Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-3954-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-3954-7`
Alternative APNs	`00-2S-22-0075-0000-0640` `22S200007500000640`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	2,394 sqft Living Area
Gross Area	2,914 sqft
1st Floor Area	832 sqft
Upper Floors Area	1,562 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	2,429 sqft (0.056 acres)
Porch	Finished/Open Porch
Porch Area	102 sqft
Patio Area	418 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4797 OCEAN BLVD
City	DESTIN
State	FL
Zip	32541-5740
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESTINY BY THE SEA S/D LOT 64
Legal Subdivision	DESTINY BY THE SEA S/D
Legal Lot Number	64
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1034
Census Tract	23308

Owner

4797 Ocean Blvd is owned by a company that bought it in January 2022.

Source: Okaloosa County records, as of April 14, 2026

Owner of Record	Company Name on File
Mailing Address	107 HOSPITAL DR, OAKDALE, LA 71463-3034
Owner Type	Company
Vesting	Limited Liability Company

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
Jan 3, 2022	Warranty Deed, Transfer · Line of Credit GULF COAST BANK
Feb 19, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jan 18, 2017	Loan Modification, Mortgage · Conventional Mortgage BARBARA S SPRADLIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2022 · Amount on File
Deed Sale	Jan 3, 2022 · Amount on File
Prior Sale	Feb 19, 2020 · Amount on File
Deed Document Number	20223517016
Deed Book / Page	3596 / 3028
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 3, 2022
Property Address	4797 OCEAN BLVD, DESTIN, FL 32541-5740
Document Number	0035963028
Book / Page	3596 / 3028
Map Reference	MB 16 PG 21&22
Instrument Date	Dec 21, 2021
Instrument	3517016
Transaction Type	Transfer
Record Updated	Jan 31, 2022
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 SEABROOK DR, 111, WAVELAND, MS 39576-4326

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 HOSPITAL DR, OAKDALE, LA 71463-3034

Mortgage

Document Number	0035963030
Date	Jan 3, 2022
Instrument	3596/3030

Lender

Name	GULF COAST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Dec 21, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 19, 2020
Property Address	4797 OCEAN BLVD, DESTIN, FL 32541-5740
Document Number	0034444861
Book / Page	3444 / 4861
Map Reference	MB 16 PG 21&22
Instrument Date	Feb 14, 2020
Instrument	3338683
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	BRADLEY TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	981 HIGHWAY 98 E # E23-241, 981, DESTIN, FL 32541-2801

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 SEABROOK DR, WAVELAND, MS 39576-4326

Mortgage

Document Number	0034444862
Date	Feb 19, 2020
Instrument	3444/4862

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	4797 OCEAN BLVD, DESTIN, FL 32541-5740
Document Number	0032841375
Book / Page	003284 / 001375
Instrument Date	Jan 18, 2017
Transaction Type	Mortgage
Record Updated	Jan 31, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4797 OCEAN BLVD DESTIN FL 325415740, DESTIN, FL 32541-5740

Mortgage

Document Number	0032841375
Date	Jan 19, 2017
Book Page	003284/001375
Instrument	3113143

Lender

Name	BARBARA S SPRADLIN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4797 Ocean Blvd was $14,207.

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	$14,207.00	$1,207,358 Land $695,666 Building $511,692	$1,207,358 Land $695,666 Building $511,692
2023	$12,313.00 (+13.98%)	$1,083,445 (+20.86%) Land $467,569 Building $615,876	$1,083,445 (+20.86%) Land $467,569 Building $615,876
2022	$10,803.00	$896,476 Land $397,790 Building $498,686	$896,476 Land $397,790 Building $498,686

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

Flood

FEMA maps place 4797 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 2000) 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 4797 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.

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