Okaloosa County property record for 3 Cahaba Ct, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,470 sqft · built 1992 |
| Lot Size | 0.355 acres (15,494 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $383,000 (Oct 2017) |
| Tax Bill | $3,805 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Jul 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-8636-5 |
| Primary APN | C56-000-589-8636-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,470 sqft Heated Area |
| Gross Area | 3,466 sqft |
| 1st Floor Area | 2,470 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 15,494 sqft (0.355 acres) |
| Lot Width | 105 ft Width |
| Garage Type | Finished |
| Garage Area | 660 sqft |
| Porch | Open Porch |
| Porch Area | 336 sqft |
| Patio Area | 132 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3 CAHABA CT |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-4420 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INDIAN BAYOU S/D LOT 44 BLK B |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | INDIAN BAYOU S/D |
| Legal Block | B |
| Legal Lot Number | 44 |
| 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 December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Co-owner | 2 Co-owners on Record |
| Mailing Address | 3 CAHABA CT, DESTIN, FL 32541-4420 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WHITNEY BANK |
| Jul 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU |
| Oct 30, 2017 | Warranty Deed, Transfer · Conventional with PMI NATIONAL BK/COMMERCE |
| Deed Names | 4 Names on Deed |
|---|---|
| Last Sale | Oct 30, 2017 · Amount on Record |
| Deed Sale | Oct 30, 2017 · Amount on Record |
| Prior Sale | Oct 30, 2017 · Amount on Record |
| Deed Document Number | 0033233941 |
| Deed Book / Page | 003323 / 003941 |
| Last Transfer Date | Jul 9, 2025 |
| Transfer Doc | 0003762964 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3 CAHABA CT, DESTIN, FL 32541-4420 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3 CAHABA CT, DESTIN, FL 32541-4420 |
| Document Number | 0035104041 |
|---|---|
| Date | Dec 8, 2020 |
| Book Page | 3510/4041 |
| Instrument | 3413322 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | GULFPORT, MS 39501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3 CAHABA CT, DESTIN, FL 32541-4420 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034101468 |
|---|---|
| Date | Jul 23, 2019 |
| Book Page | 3410/1468 |
| Instrument | 3293004 |
| Name | EGLIN FCU |
|---|---|
| Type | Bank |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 6, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 30, 2017 |
| Property Address | 3 CAHABA CT, DESTIN, FL 32541-4420 |
| Document Number | 0033233941 |
| Book / Page | 003323 / 003941 |
| Instrument Date | Oct 27, 2017 |
| Instrument | 3169276 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2018 |
| Title Company | PRIORITY TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,681.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3 CAHABA CT DESTIN FL 325414420, DESTIN, FL 32541-4420 |
| Document Number | 33233951 |
|---|---|
| Date | Oct 30, 2017 |
| Book Page | 003323/003951 |
| Instrument | 3169279 |
| Name | NATIONAL BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35223 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 29, 2047 |
Source: Okaloosa County assessment roll, as of July 1, 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 | $3,805.00 (+5.67%) Homeowner's exemption | $360,329 (+5.99%) | $564,748 (+9.08%) Land $150,096 Building $414,652 |
| 2023 | $3,601.00 (+2.48%) Homeowner's exemption | $339,975 (+3%) | $517,739 (+9.9%) Land $136,190 Building $381,549 |
| 2022 | $3,514.00 Homeowner's exemption | $330,073 | $471,110 Land $123,809 Building $347,301 |
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 | 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.
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 191 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 |
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