4 Cahaba Ct, Destin, FL 32541 Property Records

Okaloosa County property record for 4 Cahaba Ct, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,169 sqft · built 1992
Lot Size	0.378 acres (16,443 sqft)
Owner	2 Individual Names on Record
Last Sale	$640,000 (Apr 2024)
Tax Bill	$5,396 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Apr 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-8632-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-8632-4`
Alternative APNs	`00-2S-22-1280-000B-0400` `22S2001280000B0400`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,169 sqft Living Area
Gross Area	2,967 sqft
1st Floor Area	2,169 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	16,443 sqft (0.378 acres)
Lot Width	95 ft Width
Garage Type	Attached
Garage Area	441 sqft
Porch	Florida Room
Porch Area	249 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4 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 40 BLK B
Legal Subdivision	INDIAN BAYOU S/D
Legal Block	B
Legal Lot Number	40
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1011
Census Tract	23304

Owner

Source: Okaloosa County records, as of May 21, 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	180 PINE CONE WAY, SOUTHERN PINES, NC 28387-2306
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2024	Warranty Deed, Transfer · VA Mortgage PRIME MORTGAGE LENDING INC
Apr 24, 2018	Loan Modification, Mortgage · Conventional Mortgage FEDERAL NAT'L MTG ASSN (FNMA)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2024 · Amount on Record
Deed Sale	Apr 1, 2024 · Amount on Record
Deed Document Number	20243679273
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 1, 2024
Property Address	4 CAHABA CT, DESTIN, FL 32541-4420
Document Number	0003679273
Map Reference	MB 5 PGS 114
Instrument Date	Mar 26, 2024
Instrument	3679273
Transaction Type	Transfer
Record Updated	May 21, 2024
Title Company	850 TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16 HEATHCOTE RD, SCARSDALE, NY 10583-4418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74860 OVERSEAS HWY, ISLAMORADA, FL 33036-4133

Mortgage

Document Number	0003679275
Date	Apr 1, 2024
Instrument	3679275

Lender

Name	PRIME MORTGAGE LENDING INC
Type	Mortgage Company
Address	320 N SALEM ST STE 300, APEX, NC 27502

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	4 CAHABA CT, DESTIN, FL 32541-4420
Document Number	0033703083
Instrument Date	Apr 24, 2018
Transaction Type	Mortgage
Record Updated	Oct 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1297 DESTIN FL 325401297, DESTIN, FL 32540-1297

Mortgage

Document Number	0033703083
Date	Oct 9, 2018
Book Page	003370/003083
Instrument	3236943

Lender

Name	FEDERAL NAT'L MTG ASSN (FNMA)
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Oct 8, 2058

Interest

Rate	4.12%

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	$5,396.00 (+141.97%)	$494,716 (+119.6%) Land $150,096 Building $344,620	$494,716 (+9.93%) Land $150,096 Building $344,620
2023	$2,230.00 (+2.67%) Homeowner's exemption	$225,284 (+3%)	$450,020 (+10.12%) Land $136,190 Building $313,830
2022	$2,172.00 Homeowner's exemption	$218,722	$408,675 Land $123,809 Building $284,866

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
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	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 18 claims Hurricane Frances, Sep 2004 · 23 claims Hurricane Opal, Oct 1995 · 37 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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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 78 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 · Fiber in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, T-Mobile.

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