4846 Ocean Blvd, Destin, FL 32541 Property Records

Okaloosa County property record for 4846 Ocean Blvd, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 3,857 sqft · built 2018
Lot Size	0.078 acres (3,386 sqft)
Owner	Individual Name on File
Last Sale	$1,950,000 (Aug 2021)
Tax Bill	$19,347 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-3992-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-3992-7`
Alternative APNs	`00-2S-22-0075-0000-1020` `22S200007500001020`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,857 sqft Living Area
Gross Area	4,962 sqft
1st Floor Area	981 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Elevator	Elevator

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Wood Frame (Stucco or Asbestos)
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	3,386 sqft (0.078 acres)
Garage Type	Attached
Garage Area	345 sqft
Porch	Finished/Open Porch
Porch Area	760 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4846 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 102
Legal Subdivision	DESTINY BY THE SEA S/D
Legal Lot Number	102
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1030
Census Tract	23308

Owner

4846 Ocean Blvd is owned by an individual who bought it in August 2021.

Source: Okaloosa County records, as of October 12, 2026

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	Individual Name on File
Mailing Address	1186 BARNES RD, ANTIOCH, TN 37013-4402
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Jul 22, 2020	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
May 4, 2018	Loan Modification, Mortgage BANCORPSOUTH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2021 · Amount on File
Deed Sale	Aug 30, 2021 · Amount on File
Prior Sale	Jul 22, 2020 · Amount on File
Deed Document Number	20213484474
Deed Book / Page	3570 / 1616
Prior Transfer Date	Nov 11, 2003
Prior Transfer Doc	0002095280
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 30, 2021
Property Address	4846 OCEAN BLVD, DESTIN, FL 32541-5742
Document Number	0035701616
Book / Page	3570 / 1616
Map Reference	MB 16 PG 21&22
Instrument Date	Aug 27, 2021
Instrument	3484474
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1186 BARNES RD, ANTIOCH, TN 37013-4402

Mortgage

Document Number	35701620
Date	Aug 30, 2021
Instrument	3570/1620

Lender

Name	FIRSTBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4846 OCEAN BLVD, DESTIN, FL 32541-5742
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	AQUA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1414 BARBARA ST, HIGHLANDS, TX 77562-2753

Mortgage

Document Number	0035273205
Date	Feb 23, 2021
Book Page	3527/3205
Instrument	3432451

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 22, 2020
Property Address	4846 OCEAN BLVD, DESTIN, FL 32541-5742
Document Number	0034770339
Book / Page	3477 / 339
Map Reference	MB 16 PG 21
Instrument Date	Jul 20, 2020
Instrument	3375015
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,625.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	431 E BEACH DR, 431, OCEAN SPRINGS, MS 39564-5031

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 297, HIGHLANDS, TX 77562-0297

Mortgage

Document Number	0003477342
Date	Jul 22, 2020
Instrument	3477/342

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	4846 OCEAN BLVD, DESTIN, FL 32541-5742
Document Number	0033503420
Instrument Date	May 4, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	431 E BEACH DR OCEAN SPRINGS MS 395645031, OCEAN SPRINGS, MS 39564-5031

Mortgage

Document Number	0033503420
Date	May 17, 2018
Book Page	003350/003420
Instrument	3207718

Lender

Name	BANCORPSOUTH
Type	Bank
Address	PO BOX 4360, TUPELO, MS 38803-4360

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4846 Ocean Blvd was $19,347.

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	$19,347.00	$1,633,579 Land $608,615 Building $1,024,964	$1,633,579 Land $608,615 Building $1,024,964
2023	$18,592.00 (+14.89%)	$1,649,906 (+22.87%) Land $409,060 Building $1,240,846	$1,649,906 (+22.87%) Land $409,060 Building $1,240,846
2022	$16,182.00	$1,342,853 Land $350,055 Building $992,798	$1,342,853 Land $350,055 Building $992,798

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4846 Ocean Blvd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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 2018) 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

The area around 4846 Ocean Blvd has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Nearby Properties on Ocean Blvd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures