4840 Ocean Blvd, Destin, FL 32541 Property Records

Okaloosa County property record for 4840 Ocean Blvd, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,027 sqft · built 1999
Lot Size	0.069 acres (3,010 sqft)
Owner	Individual Name on Record
Last Sale	$1,767,500 (Jan 2024)
Tax Bill	$16,366 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Sep 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-3989-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-3989-3`
Alternative APNs	`00-2S-22-0075-0000-0990` `22S200007500000990`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,027 sqft Living Area
Gross Area	3,987 sqft
1st Floor Area	888 sqft
Upper Floors Area	2,139 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	3,010 sqft (0.069 acres)
Garage Type	Attached
Garage Area	416 sqft
Porch	Finished/Open Porch
Porch Area	544 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4840 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 99
Legal Subdivision	DESTINY BY THE SEA S/D
Legal Lot Number	99
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 December 31, 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
Mailing Address	4235 GLENGARY CT NE, ATLANTA, GA 30342-3519
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2024	Warranty Deed, Transfer · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC
Sep 8, 2021	Warranty Deed, Transfer · Conventional Mortgage CROSSFIRST BANK
Aug 19, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Nov 13, 2017	Warranty Deed, Transfer PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2024 · Amount on Record
Deed Sale	Jan 8, 2024 · Amount on Record
Prior Sale	Sep 8, 2021 · Amount on Record
Deed Document Number	20243665192
Prior Transfer Date	Aug 13, 2019
Prior Transfer Doc	0034142453
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 8, 2024
Property Address	4840 OCEAN BLVD, DESTIN, FL 32541-5742
Document Number	0003665192
Map Reference	MB 16 PG 21&22
Instrument Date	Jan 8, 2024
Instrument	3665192
Transaction Type	Transfer
Record Updated	Feb 1, 2024
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,372.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7162 GREENBRIAR DR, OWASSO, OK 74055-7393

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4235 GLENGARY CT NE, ATLANTA, GA 30342-3519

Mortgage

Document Number	0003665193
Date	Jan 8, 2024
Instrument	3665193

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 8, 2021
Property Address	4840 OCEAN BLVD, DESTIN, FL 32541-5742
Document Number	0035721871
Book / Page	3572 / 1871
Map Reference	MB 16 PG 21&22
Instrument Date	Sep 3, 2021
Instrument	3486781
Transaction Type	Transfer
Record Updated	Sep 23, 2021
Title Company	MCGILL ESCROW & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,675.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4444 ELMHURST DR, 4444, PLANO, TX 75093-3257

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7192 GREENBRIAR DR, OWASSO, OK 74055-7393

Mortgage

Document Number	35721874
Date	Sep 8, 2021
Instrument	3572/1874

Lender

Name	CROSSFIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Oct 1, 2031
Change Frequency	Annually
Min Rate At Change	2.93%
Max Rate At Change	4%
Index	1-Year CMT
Max Rate	9%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 19, 2019
Property Address	4840 OCEAN BLVD, DESTIN, FL 32541-5742
Document Number	0034142453
Book / Page	003414 / 002453
Instrument Date	Aug 13, 2019
Instrument	3298690
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4444 ELMHURST DR PLANO TX 750933257, PLANO, TX 75093-3257

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 13, 2017
Property Address	4840 OCEAN BLVD, DESTIN, FL 32541-5742
Document Number	0033253685
Book / Page	003325 / 003685
Instrument Date	Nov 7, 2017
Instrument	3171997
Transaction Type	Transfer
Record Updated	Dec 12, 2017
Title Company	NTC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,405.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4444 ELMHURST DR PLANO TX 750933257, PLANO, TX 75093-3257

Mortgage

Document Number	33253689
Date	Nov 13, 2017
Book Page	003325/003689
Instrument	3172000

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2047

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	$16,366.00 (+11.02%)	$1,381,865 (+4.37%) Land $608,615 Building $773,250	$1,381,865 (+4.37%) Land $608,615 Building $773,250
2023	$14,742.00 (+16.22%)	$1,323,971 (+25.77%) Land $409,060 Building $914,911	$1,323,971 (+25.77%) Land $409,060 Building $914,911
2022	$12,685.00	$1,052,672 Land $350,055 Building $702,617	$1,052,672 Land $350,055 Building $702,617

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 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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