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441 Calhoun Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 441 Calhoun Ave, Destin, FL 32541

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,207 sqft · built 1971
Lot Size0.603 acres (26,264 sqft)
Owner2 Individual Names on File
Last Sale$490,000 (Dec 2019)
Tax Bill$6,494 (2022)
Deeds & MortgagesDec 2019 Sale & Mortgage
Flood ZoneZone AE (high risk)
APNC56-000-589-4585-8

Property Details

APN / Parcel Number

Primary APNC56-000-589-4585-8
Alternative APNs
  • 00-2S-22-0310-000D-0890
  • 22S2000310000D0890

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,207 sqft Living Area
Gross Area2,903 sqft
1st Floor Area2,207 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1971
Effective Year BuiltEffective 1971
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialWood
Lot Area26,264 sqft (0.603 acres)
Lot Width100 ft Width
Garage TypeAttached
Garage Area528 sqft
PorchFinished/Open Porch
Porch Area96 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address441 CALHOUN AVE
CityDESTIN
StateFL
Zip32541-1508
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCALHOUN S/D DESTIN LOT 89 BLK D
Legal SubdivisionCALHOUN S/D
Legal BlockD
Legal Lot Number89
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group2
Census Block2003
Census Tract23306

Owner

441 Calhoun Ave is owned and occupied by two individuals who bought it in December 2019.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record2 Individual Names on File
Mailing Address441 CALHOUN AVE, DESTIN, FL 32541-1508
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 19, 2019 · Amount on File
Deed SaleDec 19, 2019 · Amount on File
Deed Document Number20193325724
Deed Book / Page3434 / 4048
Record UpdatedOct 29, 2026

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateDec 19, 2019
Property Address441 CALHOUN AVE, DESTIN, FL 32541-1508
Document Number0034344048
Book / Page003434 / 004048
Instrument DateDec 10, 2019
Instrument3325724
Transaction TypeTransfer
Record UpdatedJan 14, 2020
Title CompanyVINTAGE TITLE AND ESCROW INC, VINTAGE TITLE & ESCROW INC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,430.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address441 CALHOUN AVE DESTIN FL 325411508, DESTIN, FL 32541-1508

Mortgage

Document Number34344050
DateDec 19, 2019
Book Page003434/004050
Instrument3325725
Lender
NameUNIVERSITY LNDG
AddressSOUTHFIELD, MI 48034
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueDec 18, 2049

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
MunicipalityDestin City
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025Homeowner's exemption Veteran's exemption$642,153$809,928 Land $517,363 Building $292,565
2023Homeowner's exemption Disabled Person's exemption Veteran's exemption$605,879 (+4.95%)$797,797 (+13.43%) Land $497,464 Building $300,333
2022$6,494.00 Homeowner's exemption$577,308$703,348 Land $430,704 Building $272,644

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

Flood

FEMA maps place 441 Calhoun Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 76 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies136 units insured
incl. 60 condo units
Nearby Flood Claims95 (1994–2020)
Claims Outside the SFHA64 of 95
Most Recent ClaimSep 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 441 Calhoun Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemDESTIN WATER USERS, INC.
private · serves 31,752 people · EPA ID FL1460202
Water SourceGroundwater
Last State InspectionJan 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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