808 Willow St, Destin, FL 32541 Property Records

Okaloosa County property record for 808 Willow St, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,214 sqft · built 2015
Lot Size	0.098 acres (4,249 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,000 (Jul 2023)
Tax Bill	$5,464 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Aug 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-019-7472-3`

Property Details

APN / Parcel Number

Primary APN	`C56-001-019-7472-3`
Alternative APNs	`00-2S-22-0311-000B-0070` `22S2000311000B0070`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,214 sqft Living Area
Gross Area	2,289 sqft
1st Floor Area	1,376 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	4,249 sqft (0.098 acres)
Lot Width	50 ft Width
Porch	Finished/Open Porch
Porch Area	75 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	808 WILLOW ST
City	DESTIN
State	FL
Zip	32541-1541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALHOUN S/D DESTIN LOT 7 BLK B
Legal Subdivision	CALHOUN S/D
Legal Block	B
Legal Lot Number	7
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2007
Census Tract	23306

Owner

Source: Okaloosa County records, as of August 6, 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	520 12TH ST S, 1232, ARLINGTON, VA 22202-4260
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2023	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 23, 2018	Deed of Trust, Mortgage · Commercial Mortgage HANCOCK BANK
Nov 2, 2020	Warranty Deed, Transfer · VA Mortgage UNIVERSITY LENDING GROUP LLC
Jul 21, 2020	Warranty Deed, Transfer COTTON LAND TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2023 · Amount on Record
Deed Sale	Jul 3, 2023 · Amount on Record
Prior Sale	Nov 2, 2020 · Amount on Record
Deed Document Number	20233633343
Deed Book / Page	3682 / 561
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 3, 2023
Property Address	808 WILLOW ST, DESTIN, FL 32541-1541
Document Number	0036820561
Book / Page	3682 / 561
Map Reference	MB 2 PG 166
Instrument Date	Jun 30, 2023
Instrument	3633343
Transaction Type	Transfer
Record Updated	Jul 27, 2023
Title Company	NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1100 ENTERPRISE WAY NW APT 10107, 10107, HUNTSVILLE, AL 35806-3248

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 12TH ST S APT 1232, 1232, ARLINGTON, VA 22202-4260

Mortgage

Document Number	0003682563
Date	Jul 3, 2023
Instrument	3682/563

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	808 WILLOW ST, DESTIN, FL 32541-1541
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033643568
Date	Aug 23, 2018
Book Page	3364/3568
Instrument	3228167

Lender

Name	HANCOCK BANK
Type	Bank
Address	TALLAHASSEE, FL 32301

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	296 Months
Due	Apr 16, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 2, 2020
Property Address	808 WILLOW ST, DESTIN, FL 32541-1541
Document Number	0035023270
Book / Page	3502 / 3270
Map Reference	MB 2 PG 166
Instrument Date	Oct 30, 2020
Instrument	3403844
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	NAUTILUS T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,737.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 CALHOUN AVE # 68, 5, DESTIN, FL 32541-5509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	808 WILLOW ST, DESTIN, FL 32541-1541

Mortgage

Document Number	0035023272
Date	Nov 2, 2020
Instrument	3502/3272

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 21, 2020
Property Address	808 WILLOW ST, DESTIN, FL 32541-1541
Document Number	0034770103
Book / Page	003477 / 000103
Instrument Date	Jul 20, 2020
Instrument	3374966
Transaction Type	Transfer
Record Updated	Aug 24, 2020
Title Company	COTTON LAND TITLE INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	808 WILLOW ST DESTIN FL 325411541, DESTIN, FL 32541-1541

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	$5,464.00 (+2.25%)	$461,365 (+3.12%) Land $117,499 Building $343,866	$461,365 (+3.12%) Land $117,499 Building $343,866
2023	$5,344.00 (+6.48%)	$447,418 (+7.41%) Land $106,613 Building $340,805	$447,418 (+7.41%) Land $106,613 Building $340,805
2022	$5,019.00	$416,533 Land $96,921 Building $319,612	$416,533 Land $96,921 Building $319,612

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 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 97% of the US · lower than 96% 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	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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