323 Calhoun Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 323 Calhoun Ave, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,688 sqft · built 1981
Lot Size	1.21 acres (53,022 sqft)
Owner	Individual Name on Record
Last Sale	$500,000 (Mar 2011)
Tax Bill	$11,976 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jul 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-6643-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6643-3`
Alternative APNs	`00-2S-22-0630-0000-1610` `22S200063000001610`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,688 sqft Living Area
Gross Area	2,880 sqft
1st Floor Area	1,688 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	53,022 sqft (1.21 acres)
Lot Width	100 ft Width
Garage Type	Attached
Garage Area	625 sqft
Porch	Florida Room
Porch Area	342 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	323 CALHOUN AVE
City	DESTIN
State	FL
Zip	32541-1596
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESTIN M/P NELY 100 FT OF LOT 16 LESS SELY 3FT PREVIOUSLY DEEDED FOR STREET PURPOSES
Legal Subdivision	DESTIN M/P
Legal Lot Number	16
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2003
Census Tract	23306

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	11 CLUB DR, NATCHEZ, MS 39120-9587
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2023	Deed of Trust, Mortgage · Line of Credit DELTA BANK
Jul 27, 2020	Quit Claim Deed, Transfer · Line of Credit DELTA BK&TR
Oct 24, 2017	Loan Modification, Mortgage TRUSTMARK NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2011 · Amount on Record
Deed Sale	Mar 21, 2011 · Amount on Record
Deed Document Number	20112693271
Deed Book / Page	2977 / 1403
Last Transfer Date	Jul 14, 2020
Transfer Doc	0034781518
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	323 CALHOUN AVE, DESTIN, FL 32541-1596
Transaction Type	Mortgage
Record Updated	Jun 9, 2023
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 COLONY DR, NATCHEZ, MS 39120-8536

Mortgage

Document Number	0036753502
Date	May 18, 2023
Book Page	3675/3502
Instrument	3624575

Lender

Name	DELTA BANK
Type	Bank
Address	NATCHEZ, MS 39120

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	May 4, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 27, 2020
Property Address	323 CALHOUN AVE, DESTIN, FL 32541-1596
Document Number	0034781518
Book / Page	003478 / 001518
Instrument Date	Jul 14, 2020
Instrument	3376390
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	MCNEESE TITLE LLC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 CLUB DR NATCHEZ MS 391209587, NATCHEZ, MS 39120-9587

Mortgage

Document Number	34781520
Date	Jul 27, 2020
Book Page	003478/001520
Instrument	3376391

Lender

Name	DELTA BK&TR
Type	Bank
Address	NATCHEZ, MS 39120

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Jul 26, 2022

Interest

Rate Type	Adjustable Rate

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	323 CALHOUN AVE, DESTIN, FL 32541-1596
Document Number	0033263795
Book / Page	003326 / 003795
Instrument Date	Oct 24, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 COLONY DR NATCHEZ MS 391208536, NATCHEZ, MS 39120-8536

Mortgage

Document Number	0033263795
Date	Nov 21, 2017
Book Page	003326/003795
Instrument	3173531

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	JACKSON, MS 39201

Agreement

Term	12 Months
Due	Nov 20, 2018

Tax Assessment & Valuation

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	$11,976.00 (+7.11%)	$1,011,203 (+2.68%) Land $761,237 Building $249,966	$1,011,203 (+2.68%) Land $761,237 Building $249,966
2023	$11,181.00 (+10.43%)	$984,791 (+13.02%) Land $731,958 Building $252,833	$984,791 (+13.02%) Land $731,958 Building $252,833
2022	$10,125.00	$871,362 Land $633,730 Building $237,632	$871,362 Land $633,730 Building $237,632

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

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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