481 Captains Cir, Destin, FL 32541 Property Records

Okaloosa County property record for 481 Captains Cir, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,724 sqft · built 2001
Lot Size	0.57 acres (24,806 sqft)
Owner	2 Company Names on Record
Last Sale	$1,700,000 (Jun 2023)
Tax Bill	$15,187 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Dec 2025 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-5473-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-5473-6`
Alternative APNs	`00-2S-22-0515-0000-0500` `22S200051500000500`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,724 sqft Living Area
Gross Area	5,050 sqft
1st Floor Area	3,724 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Wood Frame (Stucco or Asbestos)
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	24,806 sqft (0.57 acres)
Garage Type	Attached
Garage Area	905 sqft
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	421 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	481 CAPTAINS CIR
City	DESTIN
State	FL
Zip	32541-5307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMMODORE POINT S/D LOT 50
Legal Subdivision	COMMODORE POINT S/D
Legal Block	1
Legal Lot Number	50
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2011
Census Tract	23308

Owner

Source: Okaloosa County records, as of October 19, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	481 CAPTAINS CIR, DESTIN, FL 32541-5307
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Dec 16, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Sep 30, 2025	Deed of Trust, Mortgage · Line of Credit THE LOAN STORE INC
Jun 16, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Mar 2, 2020	Warranty Deed, Transfer VINTAGE TITLE AND ESCROW INC, VINTAGE TITLE & ESCROW INC
Dec 29, 2017	Warranty Deed, Transfer PRATT AYCOCK TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2023 · Amount on Record
Deed Sale	Jun 16, 2023 · Amount on Record
Prior Sale	Mar 2, 2020 · Amount on Record
Deed Document Number	20233630444
Deed Book / Page	3679 / 4963
Prior Transfer Date	Jun 16, 2015
Prior Transfer Doc	0032030856
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Recording Date	Sep 30, 2026
Property Address	481 CAPTAINS CIR, DESTIN, FL 32541-5307
Document Number	0003841412
Instrument Date	Sep 23, 2026
Instrument	20263841412
Transaction Type	Mortgage
Record Updated	Oct 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust, 220
Address	481 CAPTAINS CIR, DESTIN, FL 32541-5307

Mortgage

Document Number	0003841412,
Date	Sep 30, 2026
Instrument	20263841412

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Dec 16, 2025
Property Address	481 CAPTAINS CIR, DESTIN, FL 32541-5307
Document Number	0003789286
Map Reference	MB 16 PG 73-76
Instrument Date	Dec 4, 2025
Instrument	3789286
Transaction Type	Transfer
Record Updated	Jan 8, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	481 CAPTAINS CIR, DESTIN, FL 32541-5307

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	481 CAPTAINS CIR, DESTIN, FL 32541-5307

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	481 CAPTAINS CIR, DESTIN, FL 32541-5307
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 CAPTAINS CIR, DESTIN, FL 32541-5307

Mortgage

Document Number	0003775347
Date	Sep 30, 2025
Instrument	3775347

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company
Address	TUCSON, AZ 85718

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 15, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 16, 2023
Property Address	481 CAPTAINS CIR, DESTIN, FL 32541-5307
Document Number	0036794963
Book / Page	3679 / 4963
Map Reference	MB 16 PG 73-76
Instrument Date	Jun 15, 2023
Instrument	3630444
Transaction Type	Transfer
Record Updated	Jul 13, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$11,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	481 CAPTAINS CIR, DESTIN, FL 32541-5307

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1044 HIGHWAY 98 E, DESTIN, FL 32541-2950

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 2, 2020
Property Address	481 CAPTAINS CIR, DESTIN, FL 32541-5307
Document Number	0034471635
Book / Page	003447 / 001635
Instrument Date	Feb 28, 2020
Instrument	3341393
Transaction Type	Transfer
Record Updated	Mar 20, 2020
Title Company	VINTAGE TITLE AND ESCROW INC, VINTAGE TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Tax	$6,034.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	481 CAPTAINS CIR DESTIN FL 325415307, DESTIN, FL 32541-5307

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 29, 2017
Property Address	481 CAPTAINS CIR, DESTIN, FL 32541-5307
Document Number	0033313173
Book / Page	003331 / 003173
Instrument Date	Dec 29, 2017
Instrument	3180122
Transaction Type	Transfer
Record Updated	Jan 26, 2018
Title Company	PRATT AYCOCK TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$5,530.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	260 ONE MILL RD #C SHILOH NC 279746226, C, SHILOH, NC 27974-6226

Tax Assessment & Valuation

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	$15,187.00 (+81.34%)	$1,473,834 (+78.64%) Land $455,126 Building $1,018,708	$1,473,834 (+18.68%) Land $455,126 Building $1,018,708
2023	$8,375.00 (+2.12%) Homeowner's exemption	$825,036 (+3%)	$1,241,850 (+21.21%) Land $322,480 Building $919,370
2022	$8,201.00 Homeowner's exemption	$801,006	$1,024,536 Land $279,203 Building $745,333

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
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 2001) 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	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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