5 Cahaba Ln, Destin, FL 32541 Property Records

Okaloosa County property record for 5 Cahaba Ln, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,189 sqft · built 1984
Lot Size	0.351 acres (15,320 sqft)
Owner	Individual Name on Record
Last Sale	$575,000 (Aug 2022)
Tax Bill	$5,144 (2025)
Deeds & Mortgages	Aug 2022 Sale Mar 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-8631-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-8631-6`
Alternative APN	`00-2S-22-1280-000B-0390`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,189 sqft Heated Area
Gross Area	2,861 sqft
1st Floor Area	2,189 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	15,320 sqft (0.351 acres)
Lot Width	105 ft Width
Garage Type	Finished
Garage Area	644 sqft
Porch	Open Porch
Porch Area	28 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	5 CAHABA LN
City	DESTIN
State	FL
Zip	32541-4422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN BAYOU S/D LOT 39 BLK B
Legal Range	22
Legal Township	02S
Legal Subdivision	INDIAN BAYOU S/D
Legal Block	B
Legal Lot Number	39
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 December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5 CAHABA LN, DESTIN, FL 32541-4422
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2022	Warranty Deed, Transfer CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC
Mar 22, 2021	Warranty Deed, Transfer CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC
Aug 20, 2019	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 13, 2017	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2022 · Amount on Record
Deed Sale	Aug 12, 2022 · Amount on Record
Prior Sale	Mar 22, 2021 · Amount on Record
Deed Document Number	3571298
Deed Book / Page	3637 / 2798
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 12, 2022
Property Address	5 CAHABA LN, DESTIN, FL 32541-4422
Document Number	0036372798
Book / Page	3637 / 2798
Map Reference	MB 5 PG 114
Instrument Date	Aug 10, 2022
Instrument	3571298
Transaction Type	Transfer
Record Updated	Sep 9, 2022
Title Company	CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Tax	$4,025.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14 WEEKEWACHEE CIR, 14, DESTIN, FL 32541-4426

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 CAHABA LN, DESTIN, FL 32541-4422

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 22, 2021
Property Address	5 CAHABA LN, DESTIN, FL 32541-4422
Document Number	0035334106
Book / Page	3533 / 4106
Map Reference	MB 5 PG 114
Instrument Date	Mar 22, 2021
Instrument	3439823
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Tax	$3,640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	739 BALMORAL ST, 739, CLAYTON, NC 27520-4177

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 CAHABA LN, DESTIN, FL 32541-4422

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 20, 2019
Property Address	5 CAHABA LN, DESTIN, FL 32541-4422
Document Number	0034143227
Book / Page	3414 / 3227
Map Reference	MB 5 PG 114
Instrument Date	Aug 13, 2019
Instrument	3298978
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	EMERALD COAST TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6 BLACKSBURG CT, 6, SIMPSONVILLE, SC 29681-4558

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5 CAHABA LN, DESTIN, FL 32541-4422

Mortgage

Document Number	0034143229
Date	Aug 20, 2019
Instrument	3414-3229

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 13, 2017
Property Address	5 CAHABA LN, DESTIN, FL 32541-4422
Document Number	0033033638
Book / Page	3303 / 3638
Map Reference	MB5 PG114-117
Instrument Date	Jun 8, 2017
Instrument	3140801
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2720 FAIRWAY DR, 2720, YORK, PA 17402-9568

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5 CAHABA LN, DESTIN, FL 32541-4422

Mortgage

Document Number	0003140802
Date	Jun 13, 2017
Instrument	3140802

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 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	$5,144.00 (+4.05%) Homeowner's exemption	$473,423 (+4.64%)	$490,132 (+8.34%) Land $150,096 Building $340,036
2023	$4,944.00 (+9.94%) Homeowner's exemption	$452,415 (+9.91%) Land $136,190 Building $316,225	$452,415 (+9.91%) Land $136,190 Building $316,225
2022	$4,497.00 Homeowner's exemption	$411,624 Land $123,809 Building $287,815	$411,624 Land $123,809 Building $287,815

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 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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