Okaloosa County property record for 36 Aarons Reef, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,442 sqft · built 1997 |
| Lot Size | 0.34 acres (14,823 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $375,000 (Nov 2010) |
| Tax Bill | $4,167 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-4283-0 |
| Primary APN | C56-000-589-4283-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,442 sqft Living Area |
| Gross Area | 3,410 sqft |
| 1st Floor Area | 2,442 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 14,823 sqft (0.34 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Driveway | Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 440 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 36 AARONS REEF |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3759 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BAYWINDS GOLF EST PH II LOT 21 |
| Legal Subdivision | BAYWINDS GOLF EST |
| Legal Phase | 2 |
| Legal Lot Number | 21 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 23308 |
Source: Okaloosa County records, as of August 27, 2026
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 |
|---|---|
| Mailing Address | 36 AARONS REEF, DESTIN, FL 32541-3759 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 16, 2010 · Amount on Record |
| Deed Sale | Nov 16, 2010 · Amount on Record |
| Deed Document Number | 20102670647 |
| Deed Book / Page | 2960 / 4818 |
| Prior Transfer Date | Jun 10, 2003 |
| Prior Transfer Doc | 0000004797 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 36 AARONS REEF, DESTIN, FL 32541-3759 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 36 AARONS REEF, DESTIN, FL 32541-3759 |
| Document Number | 0036860836 |
|---|---|
| Date | Aug 2, 2023 |
| Book Page | 3686/836 |
| Instrument | 3639146 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 20, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,167.00 (+5.33%) Homeowner's exemption | $433,844 (+5.99%) | $611,283 (-6.1%) Land $146,903 Building $464,380 |
| 2023 | $3,956.00 (+2.28%) Homeowner's exemption | $409,337 (+3%) | $650,975 (+9.25%) Land $133,293 Building $517,682 |
| 2022 | $3,868.00 Homeowner's exemption | $397,415 | $595,862 Land $121,175 Building $474,687 |
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 3 (1995–2018) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2018 · other causes |
Source: USFWS Coastal Barrier Resources System, as of December 19, 2024
| Coastal Barrier Resources System | Yes |
|---|---|
| Unit | P32 “Moreno Point” |
| Unit Type | System Unit |
| Designated | Oct 18, 1982 |
| NFIP Eligibility | Not eligible (built 1997) built after the Oct 1, 1983 cutoff · private flood insurance only |
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 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 3 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 221 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 |
May also be available: Wildstar Networks.
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