445 Calhoun Ave, Destin, FL 32541 Property Records

Okaloosa County property record for 445 Calhoun Ave, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 1,897 sqft · built 1984
Lot Size	0.383 acres (16,666 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,300,000 (Feb 2023)
Tax Bill	$12,099 (2025)
Deeds & Mortgages	Feb 2023 Sale May 2021 Sale & Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`C56-000-589-4586-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4586-6`
Alternative APNs	`00-2S-22-0310-000D-0900` `22S2000310000D0900`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,897 sqft Living Area
Gross Area	4,085 sqft
1st Floor Area	1,808 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	16,666 sqft (0.383 acres)
Lot Width	100 ft Width
Garage Type	Carport
Garage Area	696 sqft
Carport	Carport
Carport Area	696 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	84 sqft
Patio Area	656 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	445 CALHOUN AVE
City	DESTIN
State	FL
Zip	32541-1508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALHOUN S/D DESTIN LOT 90 BLK D
Legal Subdivision	CALHOUN S/D
Legal Block	D
Legal Lot Number	90
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	2 Individual Names on Record
Mailing Address	183 SLATE DR, BUFORD, GA 30518-1664
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 4, 2021	Warranty Deed, Transfer · VA Mortgage PRIMELENDING
Dec 16, 2019	Warranty Deed, Transfer WALTON Fndg LLC
Sep 17, 2019	Grant Deed, Transfer ATTORNEY ONLY
Jul 17, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2023 · Amount on Record
Deed Sale	Feb 7, 2023 · Amount on Record
Prior Sale	May 4, 2021 · Amount on Record
Deed Document Number	20233604863
Deed Book / Page	3661 / 1098
Prior Transfer Date	Sep 16, 2019
Prior Transfer Doc	0034191742
Record Updated	Jun 8, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 7, 2023
Property Address	445 CALHOUN AVE, DESTIN, FL 32541-1508
Document Number	0036611098
Book / Page	3661 / 1098
Map Reference	MB 2 PG 43-A
Instrument Date	Feb 2, 2023
Instrument	3604863
Transaction Type	Transfer
Record Updated	Feb 27, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$9,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	981 HIGHWAY 98 E # E3-113, E3-113, DESTIN, FL 32541-2801

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	183 SLATE DR, BUFORD, GA 30518-1664

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 4, 2021
Property Address	445 CALHOUN AVE, DESTIN, FL 32541-1508
Document Number	0035441341
Book / Page	3544 / 1341
Map Reference	MB 2 PG 43
Instrument Date	Apr 30, 2021
Instrument	3452275
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,293.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	35 WARWICK DR, 35, SHALIMAR, FL 32579-1027

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 CALHOUN AVE, DESTIN, FL 32541-1508

Mortgage

Document Number	35441344
Date	May 4, 2021
Instrument	3544/1344

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 16, 2019
Property Address	445 CALHOUN AVE, DESTIN, FL 32541-1508
Document Number	0034334840
Book / Page	003433 / 004840
Instrument Date	Dec 13, 2019
Instrument	3324573
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,760.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2987 W FM 852 WINNSBORO TX 754944517, WINNSBORO, TX 75494-4517

Mortgage

Document Number	34334842
Date	Dec 16, 2019
Book Page	003433/004842
Instrument	3324574

Lender

Name	WALTON Fndg LLC
Type	Mortgage Company
Address	INLET BEACH, FL 32461

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 15, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.7%

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OKALOOSA FL
Recording Date	Sep 17, 2019
Property Address	445 CALHOUN AVE, DESTIN, FL 32541-1508
Document Number	0034191742
Book / Page	003419 / 001742
Instrument Date	Sep 16, 2019
Instrument	3305294
Transaction Type	Transfer
Record Updated	Oct 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 RUTHERFORD CT WETUMPKA AL 360932817, WETUMPKA, AL 36093-2817

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 17, 2017
Property Address	445 CALHOUN AVE, DESTIN, FL 32541-1508
Document Number	0033083143
Book / Page	003308 / 003143
Instrument Date	Jun 26, 2017
Instrument	3147642
Transaction Type	Transfer
Record Updated	Nov 15, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 RUTHERFORD CT WETUMPKA AL 360932817, WETUMPKA, AL 36093-2817

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	$12,099.00 (+30.64%)	$1,021,635 (+24.78%) Land $574,848 Building $446,787	$1,021,635 (+6.52%) Land $574,848 Building $446,787
2023	$9,261.00 (+3.23%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$818,775 (+3.91%)	$959,128 (+21.73%) Land $552,737 Building $406,391
2022	$8,971.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$787,932 Land $478,560 Building $309,372	$787,932 Land $478,560 Building $309,372

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
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 99.8% of the US · lower than 99.7% 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.

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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