Okaloosa County property record for 4820 Ocean Blvd, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,739 sqft · built 1999 |
| Lot Size | 0.082 acres (3,599 sqft) |
| Owner | Trust Name on Record |
| Last Sale | $745,000 (Oct 2003) |
| Tax Bill | $14,113 (2025) |
| Deeds & Mortgages | Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-3981-0 |
| Primary APN | C56-000-589-3981-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 2,739 sqft Heated Area |
| Gross Area | 3,644 sqft |
| 1st Floor Area | 888 sqft |
| Upper Floors Area | 1,851 sqft |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Clay Tile |
| Lot Area | 3,599 sqft (0.082 acres) |
| Garage Type | Finished |
| Garage Area | 460 sqft |
| Porch | Open Porch |
| Porch Area | 353 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4820 OCEAN BLVD |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-5742 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DESTINY BY THE SEA S/D LOT 91 |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | DESTINY BY THE SEA S/D |
| Legal Lot Number | 91 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 23308 |
Source: Okaloosa County records, as of December 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Trust Name on Record |
|---|---|
| Mailing Address | 1794 COVINGTON RDG UNIT 1401, 1401, AUBURN, AL 36830-6688 |
| Owner Type | Individual |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 7, 2003 · Amount on Record |
| Deed Sale | Oct 7, 2003 · Amount on Record |
| Prior Sale | Oct 7, 2003 · Amount on Record |
| Deed Document Number | 0024803627 |
| Last Transfer Date | Oct 21, 2016 |
| Transfer Doc | 0032722159 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4820 OCEAN BLVD, DESTIN, FL 32541-5742 |
| Document Number | 0033854703 |
| Instrument Date | Feb 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 2100 VESTRIDGE DR VESTAVIA AL 352163328, VESTAVIA, AL 35216-3328 |
| Document Number | 0033854703 |
|---|---|
| Date | Feb 21, 2019 |
| Book Page | 003385/004703 |
| Instrument | 3260039 |
| Name | STIFEL BK&TR |
|---|---|
| Type | Bank |
| Address | ST LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 20, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $14,113.00 (+11.67%) | $1,270,294 (+5.15%) Land $608,615 Building $661,679 | $1,270,294 (+5.15%) Land $608,615 Building $661,679 |
| 2023 | $12,638.00 (+14.7%) | $1,208,056 (+21.61%) Land $409,060 Building $798,996 | $1,208,056 (+21.61%) Land $409,060 Building $798,996 |
| 2022 | $11,018.00 | $993,350 Land $350,055 Building $643,295 | $993,350 Land $350,055 Building $643,295 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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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