4844 Ocean Blvd, Destin, FL 32541 Property Records

Okaloosa County property record for 4844 Ocean Blvd, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,572 sqft · built 2001
Lot Size	0.069 acres (3,010 sqft)
Owner	Individual Name on Record
Last Sale	$1,675,000 (Mar 2025)
Tax Bill	$15,410 (2025)
Deeds & Mortgages	Jul 2021 Sale Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-3991-9`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-3991-9`
Alternative APNs	`00-2S-22-0075-0000-1010` `22S200007500001010`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	2,572 sqft Living Area
Gross Area	2,996 sqft
1st Floor Area	772 sqft
Upper Floors Area	1,800 sqft
Flooring	Wood
Interior Walls	Paneling

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	3,010 sqft (0.069 acres)
Garage Type	Attached
Garage Area	216 sqft
Porch	Finished/Open Porch
Porch Area	208 sqft
Patio Area	14 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4844 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 101
Legal Subdivision	DESTINY BY THE SEA S/D
Legal Lot Number	101
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	PO BOX 1267, RAYMOND, NH 03077-3267
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2021	Warranty Deed, Transfer AQUA TITLE SERVICES
Aug 20, 2019	Deed of Trust, Mortgage · ARM MORGAN STANLEY PRIVATE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2025 · Amount on Record
Deed Sale	Mar 25, 2025 · Amount on Record
Prior Sale	Jul 7, 2021 · Amount on Record
Deed Document Number	20253744457
Prior Transfer Date	Dec 30, 2011
Prior Transfer Doc	0030161547
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 7, 2021
Property Address	4844 OCEAN BLVD, DESTIN, FL 32541-5742
Document Number	0035584003
Book / Page	3558 / 4003
Map Reference	MB 16 PG 21&22
Instrument Date	Jun 29, 2021
Instrument	3469712
Transaction Type	Transfer
Record Updated	Jul 26, 2021
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$9,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	161 RIVERWALK DR, 161, MADISONVILLE, LA 70447-9303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8772 N STATE ROUTE 159, DORSEY, IL 62021-1216

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4844 OCEAN BLVD, DESTIN, FL 32541-5742
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034143578
Date	Aug 20, 2019
Book Page	3414/3578
Instrument	3299064

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2029
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

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	$15,410.00 (+10.86%)	$1,301,163 (+6.02%) Land $608,615 Building $692,548	$1,301,163 (+6.02%) Land $608,615 Building $692,548
2023	$13,900.00 (+14.34%)	$1,227,224 (+21.65%) Land $409,060 Building $818,164	$1,227,224 (+21.65%) Land $409,060 Building $818,164
2022	$12,157.00	$1,008,843 Land $350,055 Building $658,788	$1,008,843 Land $350,055 Building $658,788

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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