489 Captains Cir, Destin, FL 32541 Property Records

Okaloosa County property record for 489 Captains Cir, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,584 sqft · built 1999
Lot Size	0.38 acres (16,570 sqft)
Owner	Individual Name on File
Last Sale	$1,050,000 (Jun 2023)
Tax Bill	$6,344 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Aug 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-5469-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-5469-4`
Alternative APNs	`00-2S-22-0515-0000-0460` `22S200051500000460`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,584 sqft Living Area
Gross Area	3,793 sqft
1st Floor Area	2,584 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Wood Frame (Stucco or Asbestos)
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	16,570 sqft (0.38 acres)
Garage Type	Attached
Garage Area	700 sqft
Porch	Florida Room
Porch Area	509 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	489 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 46
Legal Subdivision	COMMODORE POINT S/D
Legal Block	1
Legal Lot Number	46
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2011
Census Tract	23308

Owner

489 Captains Cir is owned and occupied by an individual who bought it in June 2023.

Source: Okaloosa County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	489 CAPTAINS CIR, DESTIN, FL 32541-5307
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2023	Warranty Deed, Transfer · Conventional Mortgage WALTON FUNDING LLC
Aug 21, 2017	Warranty Deed, Transfer PROVIDENT TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2023 · Amount on File
Deed Sale	Jun 7, 2023 · Amount on File
Prior Sale	Aug 21, 2017 · Amount on File
Deed Document Number	20233628274
Deed Book / Page	3678 / 2452
Prior Transfer Date	Nov 29, 2016
Prior Transfer Doc	0032781716
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 7, 2023
Property Address	489 CAPTAINS CIR, DESTIN, FL 32541-5307
Document Number	0036782452
Book / Page	3678 / 2452
Map Reference	MB 16 PG 73-76
Instrument Date	May 31, 2023
Instrument	3628274
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	SCENIC TITLE, SCENIC TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	489 CAPTAINS CIR, DESTIN, FL 32541-5307

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	489 CAPTAINS CIR, DESTIN, FL 32541-5307

Mortgage

Document Number	0036782454
Date	Jun 7, 2023
Instrument	3678/2454

Lender

Name	WALTON FUNDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 21, 2017
Property Address	489 CAPTAINS CIR, DESTIN, FL 32541-5307
Document Number	0033140932
Book / Page	003314 / 000932
Instrument Date	Aug 17, 2017
Instrument	3155157
Transaction Type	Transfer
Record Updated	Oct 25, 2017
Title Company	PROVIDENT TITLE

Transaction

Amount	Amount on Record
Tax	$4,550.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	489 CAPTAINS CIR DESTIN FL 325415307, DESTIN, FL 32541-5307

Tax Assessment & Valuation

The 2025 property tax bill for 489 Captains Cir was $6,344 with a homeowner's exemption.

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,344.00 Homeowner's exemption	$640,866	$1,036,608 Land $413,751 Building $622,857
2023	$4,028.00 (+2.29%) Homeowner's exemption	$416,045 (+3%)	$860,230 (+11.36%) Land $307,124 Building $553,106
2022	$3,938.00 Homeowner's exemption	$403,927	$772,453 Land $265,908 Building $506,545

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 489 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

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

Wildfire risk around 489 Captains Cir is low, with 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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	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.

Drinking Water

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

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 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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