Okaloosa County property record for 487 Captains Cir, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,704 sqft · built 1999 |
| Lot Size | 0.366 acres (15,962 sqft) |
| Owner | Individual Name on File |
| Last Sale | $649,000 (Apr 2020) |
| Tax Bill | $6,132 (2025) |
| Deeds & Mortgages | Apr 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-5470-2 |
| Primary APN | C56-000-589-5470-2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,704 sqft Heated Area |
| Gross Area | 4,079 sqft |
| 1st Floor Area | 2,704 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 | Concrete Tile |
| Lot Area | 15,962 sqft (0.366 acres) |
| Garage Type | Finished |
| Garage Area | 616 sqft |
| Porch | Open Porch |
| Porch Area | 759 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 487 CAPTAINS CIR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-5307 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COMMODORE POINT S/D LOT 47 |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | COMMODORE POINT S/D |
| Legal Lot Number | 47 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 23308 |
487 Captains Cir is owned and occupied by an individual who bought it in April 2020.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 487 CAPTAINS CIR, DESTIN, FL 32541-5307 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 14, 2020 · Amount on File |
| Deed Sale | Apr 14, 2020 · Amount on File |
| Deed Document Number | 3351425 |
| Deed Book / Page | 3455 / 4661 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Apr 14, 2020 |
| Property Address | 487 CAPTAINS CIR, DESTIN, FL 32541-5307 |
| Document Number | 0034554661 |
| Book / Page | 3455 / 4661 |
| Map Reference | MB 16 PG 73-76 |
| Instrument Date | Apr 3, 2020 |
| Instrument | 3351425 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,543.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2619 W RAYE ST, 2619, SEATTLE, WA 98199-3442 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 487 CAPTAINS CIR, DESTIN, FL 32541-5307 |
| Document Number | 0034554663 |
|---|---|
| Date | Apr 14, 2020 |
| Instrument | 3455/4663 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2040 |
The 2025 property tax bill for 487 Captains Cir was $6,132 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,132.00 Homeowner's exemption | $620,673 | $1,061,597 Land $413,751 Building $647,846 |
| 2023 | $5,798.00 (+2.19%) Homeowner's exemption | $582,554 (+3%) | $887,159 (+21.1%) Land $307,124 Building $580,035 |
| 2022 | $5,674.00 Homeowner's exemption | $565,586 | $732,611 Land $265,908 Building $466,703 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 487 Captains Cir in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1995.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 3 (1995–2018) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2018 · other causes |
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 risk around 487 Captains Cir is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 3 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 150 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 | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile, Wildstar Networks.
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