Okaloosa County property record for 13 Cahaba Ln, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,630 sqft · built 2000 |
| Lot Size | 0.364 acres (15,833 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $432,000 (Aug 2016) |
| Tax Bill | $4,511 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-8627-4 |
| Primary APN | C56-000-589-8627-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,630 sqft Living Area |
| Gross Area | 3,336 sqft |
| 1st Floor Area | 2,630 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 15,833 sqft (0.364 acres) |
| Lot Width | 90 ft Width |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Porch | Florida Room |
| Porch Area | 226 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 13 CAHABA LN |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-4422 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INDIAN BAYOU S/D LOT 35 BLK B |
| Legal Subdivision | INDIAN BAYOU S/D |
| Legal Block | B |
| Legal Lot Number | 35 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 23304 |
Source: Okaloosa County records, as of August 27, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 13 CAHABA LN, DESTIN, FL 32541-4422 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2016 · Amount on Record |
| Deed Sale | Aug 3, 2016 · Amount on Record |
| Prior Sale | Feb 17, 2009 · Amount on Record |
| Deed Document Number | 20163081702 |
| Deed Book / Page | 3260 / 165 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 13 CAHABA LN, DESTIN, FL 32541-4422 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034863725 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | 3486/3725 |
| Instrument | 3385400 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,511.00 (+5.57%) Homeowner's exemption | $419,968 (+5.99%) | $680,152 (+10.97%) Land $150,096 Building $530,056 |
| 2023 | $4,273.00 (+2.42%) Homeowner's exemption | $396,245 (+3%) | $612,911 (+20.26%) Land $136,190 Building $476,721 |
| 2022 | $4,172.00 Homeowner's exemption | $384,704 | $509,634 Land $123,809 Building $385,825 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 | 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 |
| 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 78 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: CenturyLink, T-Mobile.
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