4822 Ocean Blvd, Destin, FL 32541 Property Records

Okaloosa County property record for 4822 Ocean Blvd, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,104 sqft · built 2001
Lot Size	0.083 acres (3,599 sqft)
Owner	Company Name on Record
Last Sale	$1,277,500 (Jan 2026)
Tax Bill	$18,062 (2025)
Deeds & Mortgages	Jan 2026 Sale Jan 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-3982-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-3982-8`
Alternative APNs	`00-2S-22-0075-0000-0920` `22S200007500000920`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,104 sqft Living Area
Gross Area	4,329 sqft
1st Floor Area	990 sqft
Upper Floors Area	2,114 sqft
Flooring	Wood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	3,599 sqft (0.083 acres)
Garage Type	Attached
Garage Area	300 sqft
Porch	Finished/Open Porch
Porch Area	1,915 sqft
Patio Area	135 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4822 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 92
Legal Subdivision	DESTINY BY THE SEA S/D
Legal Lot Number	92
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1030
Census Tract	23308

Owner

Source: Okaloosa County records, as of April 6, 2026

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

Owner of Record	Company Name on Record
Mailing Address	5604 COGNAC ST, PLANO, TX 75024-3153
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jan 30, 2026	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 14, 2021	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2026 · Amount on Record
Deed Sale	Jan 30, 2026 · Amount on Record
Prior Sale	Jan 30, 2026 · Amount on Record
Deed Document Number	20263796303
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 30, 2026
Property Address	4822 OCEAN BLVD, DESTIN, FL 32541-5742
Document Number	0003796303
Map Reference	MB 16 PG 21
Instrument Date	Jan 27, 2026
Instrument	3796303
Transaction Type	Transfer
Record Updated	Feb 17, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$8,942.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5604 COGNAC ST, PLANO, TX 75024-3153

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5604 COGNAC ST, PLANO, TX 75024-3153

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 30, 2026
Property Address	4822 OCEAN BLVD, DESTIN, FL 32541-5742
Document Number	0003796300
Map Reference	MB 16 PG 21
Instrument Date	Jan 27, 2026
Instrument	3796300
Transaction Type	Transfer
Record Updated	Feb 17, 2026
Title Company	BEACHLAND TITLE SERVICES LLC, BEACH LAND AND TTL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,775.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8342 JEEVES CIR, LAS VEGAS, NV 89149-4947

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5604 COGNAC ST, PLANO, TX 75024-3153

Mortgage

Document Number	0003796302
Date	Jan 30, 2026
Instrument	3796302

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 14, 2021
Property Address	4822 OCEAN BLVD, DESTIN, FL 32541-5742
Document Number	0035601901
Book / Page	3560 / 1901
Map Reference	MB 16 PG 21
Instrument Date	Jul 2, 2021
Instrument	3471814
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7071 NORNE LN, 7071, MOUNT DORA, FL 32757-7076

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8342 JEEVES CIR, LAS VEGAS, NV 89149-4947

Mortgage

Document Number	35601903
Date	Jul 14, 2021
Instrument	3560/1903

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

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	$18,062.00 (+6.17%)	$1,525,136 (+1.32%) Land $608,615 Building $916,521	$1,525,136 (+1.32%) Land $608,615 Building $916,521
2023	$17,013.00 (+14.57%)	$1,505,276 (+22.15%) Land $409,060 Building $1,096,216	$1,505,276 (+22.15%) Land $409,060 Building $1,096,216
2022	$14,850.00	$1,232,296 Land $350,055 Building $882,241	$1,232,296 Land $350,055 Building $882,241

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
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	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 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	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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