321 Calhoun Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 321 Calhoun Ave, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,004 sqft · built 2017
Lot Size	1.05 acres (45,812 sqft)
Owner	Individual Name on File
Last Sale	$1,599,000 (May 2019)
Tax Bill	$16,622 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-6644-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6644-1`
Alternative APN	`00-2S-22-0630-0000-1620`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,004 sqft Heated Area
Gross Area	4,094 sqft
1st Floor Area	2,405 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2017
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Masonite/Cement Shake
Lot Area	45,812 sqft (1.05 acres)
Lot Width	85 ft Width
Garage Type	Detached
Garage Area	567 sqft
Porch	Open Porch
Porch Area	470 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	321 CALHOUN AVE
City	DESTIN
State	FL
Zip	32541-1596
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESTIN M/P NE 185FT OF LOT 16 LESS THE NELY 100FT AND LESS THE SELY 3FT FOR STREET PURPOSES
Legal Range	22
Legal Township	02S
Legal Subdivision	DESTIN MORENO POINT
Legal Lot Number	16
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2003
Census Tract	23306

Owner

321 Calhoun Ave is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	321 CALHOUN AVE, DESTIN, FL 32541-1596
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
Aug 10, 2022	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK
Jul 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN LIBERTY MORTGAGE INC
May 10, 2019	Warranty Deed, Transfer · Line of Credit AMERICAN LIBERTY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2019 · Amount on File
Deed Sale	May 10, 2019 · Amount on File
Prior Sale	Sep 17, 2015 · Amount on File
Deed Document Number	3276949
Deed Book / Page	3398 / 2989
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	321 CALHOUN AVE, DESTIN, FL 32541-1596
Transaction Type	Mortgage
Record Updated	Sep 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 CALHOUN AVE, DESTIN, FL 32541-1596

Mortgage

Document Number	0036370840
Date	Aug 10, 2022
Book Page	3637/840
Instrument	3570672

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 5, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	321 CALHOUN AVE, DESTIN, FL 32541-1596
Transaction Type	Mortgage
Record Updated	Aug 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035623845
Date	Jul 27, 2021
Book Page	3562/3845
Instrument	3475011

Lender

Name	AMERICAN LIBERTY MORTGAGE INC
Type	Mortgage Company
Address	DENVER, CO 80211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 10, 2019
Property Address	321 CALHOUN AVE, DESTIN, FL 32541-1596
Document Number	0033982989
Book / Page	3398 / 2989
Instrument Date	May 6, 2019
Instrument	3276949
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,193.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 101, FRISCO CITY, AL 36445-0101

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 CALHOUN AVE, DESTIN, FL 32541-1596

Mortgage

Document Number	0003276950
Date	May 10, 2019
Instrument	3276950

Lender

Name	AMERICAN LIBERTY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 6, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 321 Calhoun Ave was $16,622 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	$16,622.00 Homeowner's exemption	$1,442,571	$1,650,981 Land $647,051 Building $1,003,930
2023	$15,799.00 (+2.19%) Homeowner's exemption	$1,361,083 (+3%)	$1,702,287 (+7.68%) Land $622,165 Building $1,080,122
2022	$15,461.00 Homeowner's exemption	$1,321,440	$1,580,833 Land $538,670 Building $1,042,163

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

Flood

FEMA maps place 321 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 321 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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