80 Aarons Reef, Destin, FL 32541 Property Records

Okaloosa County property record for 80 Aarons Reef, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,560 sqft · built 2015
Lot Size	0.39 acres (16,990 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,250 (Mar 2021)
Tax Bill	$5,554 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-4280-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4280-6`
Alternative APNs	`00-2S-22-018C-0000-0180` `22S200018C00000180`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,560 sqft Living Area
Gross Area	3,574 sqft
1st Floor Area	2,560 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	16,990 sqft (0.39 acres)
Garage Type	Attached
Garage Area	576 sqft
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	438 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	80 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 18
Legal Subdivision	BAYWINDS GOLF EST
Legal Phase	2
Legal Lot Number	18
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 January 16, 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	80 AARONS REEF, DESTIN, FL 32541-3759
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2022	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
Mar 31, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Mar 22, 2018	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2021 · Amount on Record
Deed Sale	Mar 31, 2021 · Amount on Record
Prior Sale	May 23, 2013 · Amount on Record
Deed Document Number	20213442457
Deed Book / Page	3536 / 206
Prior Transfer Date	Mar 24, 2021
Prior Transfer Doc	0035360206
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	80 AARONS REEF, DESTIN, FL 32541-3759
Transaction Type	Mortgage
Record Updated	Feb 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	80 ADAMS REEF, DESTIN, FL 32541

Mortgage

Document Number	0035980371
Date	Jan 10, 2022
Book Page	3598/371
Instrument	3518797

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	MIRAMAR BEACH, FL 32550

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 26, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 31, 2021
Property Address	80 AARONS REEF, DESTIN, FL 32541-3759
Document Number	0035360206
Book / Page	3536 / 206
Map Reference	MB 14 PG 9
Instrument Date	Mar 24, 2021
Instrument	3442457
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$912.10
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	80 AARONS REEF, DESTIN, FL 32541-3759

Mortgage

Document Number	3536208
Date	Mar 31, 2021
Instrument	3536/208

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	80 AARONS REEF, DESTIN, FL 32541-3759
Document Number	0033444578
Instrument Date	Mar 22, 2018
Transaction Type	Mortgage
Record Updated	Apr 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	80 AARONS REEF DESTIN FL 325413759, DESTIN, FL 32541-3759

Mortgage

Document Number	0033444578
Date	Apr 9, 2018
Book Page	003344/004578
Instrument	3199371

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-4360

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 8, 2038

Interest

Rate Type	Adjustable Rate

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	$5,554.00 (+5.21%) Homeowner's exemption	$565,765 (+5.99%)	$807,651 (-5.47%) Land $146,903 Building $660,748
2023	$5,279.00 (+2.19%) Homeowner's exemption	$533,806 (+3%)	$854,356 (+18.44%) Land $140,698 Building $713,658
2022	$5,166.00 Homeowner's exemption	$518,258	$721,366 Land $127,907 Building $593,459

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 2015) 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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