8 Cahaba Ln, Destin, FL 32541 Property Records

Okaloosa County property record for 8 Cahaba Ln, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,212 sqft · built 1992
Lot Size	0.365 acres (15,904 sqft)
Owner	2 Individual Names on File
Last Sale	$700,000 (May 2023)
Tax Bill	$5,910 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Jun 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-8622-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-8622-5`
Alternative APNs	`00-2S-22-1280-000B-0300` `22S2001280000B0300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,212 sqft Living Area
Gross Area	3,773 sqft
1st Floor Area	2,212 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2017
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	15,904 sqft (0.365 acres)
Lot Width	110 ft Width
Garage Type	Attached
Garage Area	528 sqft
Porch	Florida Room
Porch Area	1,033 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8 CAHABA LN
City	DESTIN
State	FL
Zip	32541-4423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN BAYOU S/D LOT 30 BLK B
Legal Subdivision	INDIAN BAYOU S/D
Legal Block	B
Legal Lot Number	30
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1011
Census Tract	23304

Owner

Source: Okaloosa County assessment roll, 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 File
Mailing Address	557 SIBERT AVE, DESTIN, FL 32541-1616
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 1, 2023	Warranty Deed, Transfer · VA Mortgage TRIDENT HOME LOANS LLC
Jun 22, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 1, 2023 · Amount on Record
Deed Sale	May 1, 2023 · Amount on Record
Prior Sale	Jun 22, 2022 · Amount on Record
Deed Document Number	20233620841
Deed Book / Page	3672 / 4811
Prior Transfer Date	Jul 29, 2009
Prior Transfer Doc	0029003262
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 1, 2023
Property Address	8 CAHABA LN, DESTIN, FL 32541-4423
Document Number	0036724811
Book / Page	3672 / 4811
Map Reference	MB 5 PG 114-117
Instrument Date	Apr 23, 2023
Instrument	3620841
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	945 BAMBI DR, DESTIN, FL 32541-1801

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	557 SIBERT AVE, DESTIN, FL 32541-1616

Mortgage

Document Number	0036724815
Date	May 1, 2023
Instrument	3672/4815

Lender

Name	TRIDENT HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 22, 2022
Property Address	8 CAHABA LN, DESTIN, FL 32541-4423
Document Number	0036284342
Book / Page	3628 / 4342
Map Reference	MB 5 PG 114-117
Instrument Date	Jun 20, 2022
Instrument	3559246
Transaction Type	Transfer
Record Updated	Jul 11, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$3,675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	127 COUNTRY CLUB DR W, 127, DESTIN, FL 32541-4400

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 BAMBI DR, DESTIN, FL 32541-1801

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	$5,910.00 (-10.73%) Homeowner's exemption Veteran's exemption	$543,072 (-2%)	$610,347 (+10.14%) Land $150,096 Building $460,251
2023	$6,620.00 (+31.58%)	$554,175 (+21.2%) Land $136,190 Building $417,985	$554,175 (+21.2%) Land $136,190 Building $417,985
2022	$5,031.00	$457,227 Land $123,809 Building $333,418	$457,227 Land $123,809 Building $333,418

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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 284 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Lumen Technologies.

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