Okaloosa County property record for 43 Aarons Reef, Destin, FL 32541 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1996 |
| Square Footage | 2,923 sqft Living Area |
| Lot Size | 21,449 sqft (0.492 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $833,000 (2026) |
| Tax Bill | $3,959.00 (2025) |
Source: Okaloosa County records · APN C56-000-589-4275-6
Assessment roll updated December 31, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 43 AARONS REEF, DESTIN, FL 32541-3760 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 24, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 05, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 24, 2026 · Amount on Record |
| Deed Sale | Jun 24, 2026 · Amount on Record |
| Prior Sale | Mar 16, 2004 · Amount on Record |
| Deed Doc Number | 20263824174 |
| Prior Transfer Date | Sep 25, 2024 |
| Prior Transfer Doc | 0003713231 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 24, 2026 |
| Property Address | 43 AARONS REEF, DESTIN, FL 32541-3760 |
| Document Number | 0003824174 |
| Instrument Date | Jun 19, 2026 |
| Instrument | 20263824174 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | MCNEESE TITLE LLC, MCNEESE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $588,931.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 43 AARONS REEF, DESTIN, FL 32541-3760 |
| Document Number | 0003824175, |
|---|---|
| Date | Jun 24, 2026 |
| Instrument | 20263824175 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 43 AARONS REEF, DESTIN, FL 32541-3760 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034602175 |
|---|---|
| Date | May 05, 2020 |
| Book Page | 3460/2175 |
| Instrument | 3356229 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2050 |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,959.00 (+5.35%) | $414,119 (+5.99%) | $728,605 (-3.93%) Land $179,548 Building $549,057 |
| 2023 | $3,758.00 (+2.29%) Homeowner's exemption | $390,726 (+3%) | $758,421 (+9.15%) Land $148,103 Building $610,318 |
| 2022 | $3,674.00 Homeowner's exemption | $379,346 | $694,867 Land $134,639 Building $560,228 |
Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · USFWS Coastal Barrier Resources System, December 19, 2024 release · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Coastal Barrier Resources System | Yes |
|---|---|
| Unit | P32 “Moreno Point” |
| Unit Type | System Unit |
| Designated | October 18, 1982 |
| NFIP Eligibility | Not eligible (built 1996) built after the October 1, 1983 cutoff · private flood insurance only |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | C56-000-589-4275-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,923 sqft Living Area |
| Gross Area | 4,202 sqft Gross Area |
| 1st Floor | 2,923 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Brick Exterior |
| Roof Construction | Cathedral/Clerestory Roof Construction |
| Roof Material | Wood Roof |
| Lot Area | 21,449 sqft (0.492 acres) |
| Driveway | Driveway |
| Garage Type | Attached Garage |
| Garage Area | 593 sqft Garage |
| Patio Area | 360 sqft Patio |
| Porch Area | 326 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 43 AARONS REEF |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-3760 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | BAYWINDS GOLF EST PH II LOT 13 |
| Legal Subdivision | BAYWINDS GOLF EST |
| Legal Phase | 2 |
| Legal Lot Number | 13 |
| Jurisdiction | OKALOOSA FL |
| Minor Civil Division | FORT WALTON BEACH |
| Census Blockgroup | 2 |
| Census Block | 2001 |
| Census Tract | 23308 |
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