12 Cahaba Ln, Destin, FL 32541 Property Records

Okaloosa County property record for 12 Cahaba Ln, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,077 sqft · built 1982
Lot Size	0.374 acres (16,322 sqft)
Owner	Individual Name on File
Last Sale	$582,500 (Sep 2022)
Tax Bill	$4,523 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-8624-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-8624-1`
Alternative APN	`00-2S-22-1280-000B-0320`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,077 sqft Heated Area
Gross Area	2,841 sqft
1st Floor Area	2,077 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	16,322 sqft (0.374 acres)
Lot Width	90 ft Width
Garage Type	Finished
Garage Area	504 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	12 CAHABA LN
City	DESTIN
State	FL
Zip	32541-4423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN BAYOU S/D LOT 32 BLK B
Legal Range	22
Legal Township	02S
Legal Subdivision	INDIAN BAYOU S/D
Legal Block	B
Legal Lot Number	32
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1011
Census Tract	23304

Owner

12 Cahaba Ln is owned and occupied by an individual who bought it in September 2022.

Source: Okaloosa County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	12 CAHABA LN, DESTIN, FL 32541-4423
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 29, 2019	Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BK
Dec 7, 2017	Warranty Deed, Transfer · Conventional Mortgage PNC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2022 · Amount on File
Deed Sale	Sep 15, 2022 · Amount on File
Prior Sale	Dec 7, 2017 · Amount on File
Deed Document Number	3578633
Deed Book / Page	3642 / 3913
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 15, 2022
Property Address	12 CAHABA LN, DESTIN, FL 32541-4423
Document Number	0036423913
Book / Page	3642 / 3913
Map Reference	MB 5 PG 114-117
Instrument Date	Sep 9, 2022
Instrument	3578633
Transaction Type	Transfer
Record Updated	Oct 3, 2022
Title Company	COASTAL LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,077.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	428 CHELSEA WAY DR, 428, SAINT CHARLES, MO 63304-1054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CAHABA LN, DESTIN, FL 32541-4423

Mortgage

Document Number	0036423915
Date	Sep 15, 2022
Book Page	3642/3915
Instrument	3578634

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 29, 2019
Property Address	12 CAHABA LN, DESTIN, FL 32541-4423
Document Number	0033953193
Book / Page	003395 / 003193
Instrument Date	Apr 24, 2019
Instrument	3274078
Transaction Type	Transfer
Record Updated	May 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,427.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 CAHABA LN DESTIN FL 325414423, DESTIN, FL 32541-4423

Mortgage

Document Number	33953195
Date	Apr 29, 2019
Book Page	003395/003195
Instrument	3274079

Lender

Name	CENTENNIAL BK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 28, 2049

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 7, 2017
Property Address	12 CAHABA LN, DESTIN, FL 32541-4423
Document Number	0033284752
Book / Page	3328 / 4752
Map Reference	MB45 PG114-117
Instrument Date	Dec 5, 2017
Instrument	3176528
Transaction Type	Transfer
Record Updated	Oct 3, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1708 ASHVIEW CV, 1708, NICEVILLE, FL 32578-8725

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 CHELSEA WAY DR, SAINT CHARLES, MO 63304-1054

Mortgage

Document Number	0003176529
Date	Dec 7, 2017
Instrument	3176529

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12 Cahaba Ln was $4,523 with a homeowner's exemption.

Source: Okaloosa County assessment roll, as of July 1, 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	$4,523.00 Homeowner's exemption	$420,991	$440,131 Land $150,096 Building $290,035
2023	$4,333.00 (+7.33%) Homeowner's exemption	$401,250 (+10.1%) Land $136,190 Building $265,060	$401,250 (+10.1%) Land $136,190 Building $265,060
2022	$4,037.00	$364,448 Land $123,809 Building $240,639	$364,448 Land $123,809 Building $240,639

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

Flood

FEMA maps place 12 Cahaba Ln in Zone X, an area of minimal flood risk, though there have been 124 flood claims nearby since 1988.

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
Flood Insurance Cost	Premium on File median of 117 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	460 units insured incl. 343 condo units
Nearby Flood Claims	124 (1988–2020)
Claims Outside the SFHA	83 of 124
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 18 claims Hurricane Frances, Sep 2004 · 23 claims Hurricane Opal, Oct 1995 · 37 claims

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 12 Cahaba Ln 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.

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 284 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: CenturyLink.

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