320 Calhoun Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 320 Calhoun Ave, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,916 sqft · built 1951
Lot Size	0.776 acres (33,781 sqft)
Owner	Trust Name on File
Last Sale	$435,000 (May 2017)
Tax Bill	$6,807 (2025)
Deeds & Mortgages	May 2021 Transfer Dec 2021 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-4552-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4552-8`
Alternative APNs	`00-2S-22-0310-000D-0510` `22S2000310000D0510`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	1 Room
Stories	1 Story
Building Area	2,916 sqft Living Area
Gross Area	3,500 sqft
1st Floor Area	2,916 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	33,781 sqft (0.776 acres)
Lot Width	100 ft Width
Porch	Open/Unfinished Porch
Porch Area	1,060 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	320 CALHOUN AVE
City	DESTIN
State	FL
Zip	32541-1570
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALHOUN S/D DESTIN LOT 51 BLK D
Legal Subdivision	CALHOUN S/D
Legal Block	D
Legal Lot Number	51
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2007
Census Tract	23306

Owner

320 Calhoun Ave is held in a trust since May 2017.

Source: Okaloosa County records, as of December 31, 2025

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	Trust Name on File
Mailing Address	600 BEACH DR, DESTIN, FL 32541-1716
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Dec 8, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
May 7, 2020	Warranty Deed, Transfer PANHANDLE TITLE INC
Apr 23, 2020	Quit Claim Deed, Transfer · Conventional Mortgage CAPITAL BANK NA
May 30, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
May 30, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2017 · Amount on File
Deed Sale	May 30, 2017 · Amount on File
Prior Sale	May 30, 2017 · Amount on File
Deed Document Number	20173137884
Deed Book / Page	3301 / 2609
Prior Transfer Date	May 26, 2017
Prior Transfer Doc	0033012609
Record Updated	Oct 29, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	May 6, 2021
Property Address	320 CALHOUN AVE, DESTIN, FL 32541-1570
Document Number	0035444712
Book / Page	3544 / 4712
Map Reference	MB 2 PG 43-A
Instrument Date	Apr 23, 2021
Instrument	3453048
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	600 BEACH DR, DESTIN, FL 32541-1716

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Dec 8, 2021
Property Address	320 CALHOUN AVE, DESTIN, FL 32541-1570
Document Number	0035913836
Book / Page	3591 / 3836
Map Reference	MB 2 PG 43-A
Instrument Date	Apr 23, 2021
Instrument	3511130
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	600 BEACH DR, DESTIN, FL 32541-1716

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 7, 2020
Property Address	320 CALHOUN AVE, DESTIN, FL 32541-1570
Document Number	0034604366
Book / Page	003460 / 004366
Instrument Date	Apr 24, 2020
Instrument	3356739
Transaction Type	Transfer
Record Updated	Jun 5, 2020
Title Company	PANHANDLE TITLE INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	320 CALHOUN AVE DESTIN FL 325411570, DESTIN, FL 32541-1570

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 23, 2020
Property Address	320 CALHOUN AVE, DESTIN, FL 32541-1570
Document Number	0034580871
Book / Page	3458 / 871
Map Reference	MB 2 PG 43-A
Instrument Date	Apr 16, 2020
Instrument	3353894
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	PANHANDLE TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 CALHOUN AVE, DESTIN, FL 32541-1570

Mortgage

Document Number	0034580873
Date	Apr 23, 2020
Instrument	3458/0873

Lender

Name	CAPITAL BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 30, 2017
Property Address	320 CALHOUN AVE, DESTIN, FL 32541-1570
Document Number	0033012609
Book / Page	003301 / 002609
Instrument Date	May 26, 2017
Instrument	3137884
Transaction Type	Transfer
Record Updated	Aug 2, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$3,045.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	2400 CRYSTAL COVE LN DESTIN FL 325504872, DESTIN, FL 32550-4872

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 30, 2017
Property Address	320 CALHOUN AVE, DESTIN, FL 32541-1570
Document Number	0033012593
Book / Page	003301 / 002593
Instrument Date	May 26, 2017
Instrument	3137881
Transaction Type	Transfer
Record Updated	Aug 2, 2017
Title Company	MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,045.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2400 CRYSTAL COVE LN DESTIN FL 325504872, DESTIN, FL 32550-4872

Mortgage

Document Number	33012596
Date	May 30, 2017
Book Page	003301/002596
Instrument	3137883

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 29, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 320 Calhoun Ave was $6,807.

Source: Okaloosa County assessment roll, as of December 31, 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	$6,807.00	$574,805 Land $207,030 Building $367,775	$574,805 Land $207,030 Building $367,775
2023	$6,217.00 (+6.55%)	$520,489 (+7.48%) Land $152,304 Building $368,185	$520,489 (+7.48%) Land $152,304 Building $368,185
2022	$5,835.00	$484,245 Land $138,458 Building $345,787	$484,245 Land $138,458 Building $345,787

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

Flood

FEMA maps place 320 Calhoun Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 76 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	136 units insured incl. 60 condo units
Nearby Flood Claims	95 (1994–2020)
Claims Outside the SFHA	64 of 95
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Frances, Sep 2004 · 18 claims Hurricane Georges, Sep 1998 · 16 claims Hurricane Opal, Oct 1995 · 45 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 320 Calhoun Ave 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 97% 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	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 244 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 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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