54 Aarons Reef, Destin, FL 32541 Property Records

Okaloosa County property record for 54 Aarons Reef, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,487 sqft · built 1998
Lot Size	0.342 acres (14,886 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,000 (Feb 2020)
Tax Bill	$4,871 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-4282-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4282-2`
Alternative APNs	`00-2S-22-018C-0000-0200` `22S200018C00000200`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,487 sqft Living Area
Gross Area	3,435 sqft
1st Floor Area	2,487 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	14,886 sqft (0.342 acres)
Garage Type	Attached
Garage Area	576 sqft
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	372 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	54 AARONS REEF
City	DESTIN
State	FL
Zip	32541-3759
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAYWINDS GOLF EST PH II LOT 20
Legal Subdivision	BAYWINDS GOLF EST
Legal Phase	2
Legal Lot Number	20
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2001
Census Tract	23308

Owner

Source: Okaloosa County records, as of August 27, 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	54 AARONS REEF, DESTIN, FL 32541-3759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage SHARONVIEW FCU
Mar 21, 2018	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Feb 11, 2020	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
Apr 16, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2020 · Amount on Record
Deed Sale	Feb 11, 2020 · Amount on Record
Prior Sale	Nov 12, 2002 · Amount on Record
Deed Document Number	20203336537
Deed Book / Page	3443 / 2042
Prior Transfer Date	Apr 5, 2019
Prior Transfer Doc	0033933721
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	54 AARONS REEF, DESTIN, FL 32541-3759
Transaction Type	Mortgage
Record Updated	Sep 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035702430
Date	Aug 31, 2021
Book Page	3570/2430
Instrument	3484663

Lender

Name	SHARONVIEW FCU
Type	Credit Union
Address	FORT MILL, SC 29716

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	54 AARONS REEF, DESTIN, FL 32541-3759
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033420991
Date	Mar 21, 2018
Book Page	3342/0991
Instrument	3195653

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 11, 2020
Property Address	54 AARONS REEF, DESTIN, FL 32541-3759
Document Number	0034432042
Book / Page	3443 / 2042
Map Reference	MB 14 PG 9
Instrument Date	Feb 7, 2020
Instrument	3336537
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	686 ALLEN LOOP DR, 686, SANTA ROSA BEACH, FL 32459-4149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 AARONS REEF, DESTIN, FL 32541-3759

Mortgage

Document Number	0034432044
Date	Feb 11, 2020
Instrument	3443/2044

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 16, 2019
Property Address	54 AARONS REEF, DESTIN, FL 32541-3759
Document Number	0033933721
Book / Page	003393 / 003721
Instrument Date	Apr 5, 2019
Instrument	3271400
Transaction Type	Transfer
Record Updated	May 1, 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
Relationship	Revocable Trust
Address	54 AARONS REEF DESTIN FL 325413759, DESTIN, FL 32541-3759

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,871.00 (+5.25%) Homeowner's exemption	$500,813 (+5.99%)	$635,655 (-6.14%) Land $146,903 Building $488,752
2023	$4,628.00 (+2.23%) Homeowner's exemption	$472,523 (+3%)	$677,257 (+8.91%) Land $133,293 Building $543,964
2022	$4,527.00 Homeowner's exemption	$458,760	$621,831 Land $121,175 Building $500,656

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1995–2018)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2018 · other causes

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	P32 “Moreno Point”
Unit Type	System Unit
Designated	Oct 18, 1982
NFIP Eligibility	Not eligible (built 1998) built after the Oct 1, 1983 cutoff · private flood insurance only

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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	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	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	3 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 221 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 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Wildstar Networks.

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