81 Aarons Reef, Destin, FL 32541 Property Records

Okaloosa County property record for 81 Aarons Reef, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,026 sqft · built 2001
Lot Size	0.432 acres (18,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Apr 2014)
Tax Bill	$4,581 (2024)
Deeds & Mortgages	Sep 2020 Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-4278-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4278-0`
Alternative APNs	`00-2S-22-018C-0000-0160` `22S200018C00000160`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,026 sqft Living Area
Gross Area	4,295 sqft
1st Floor Area	3,026 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	18,829 sqft (0.432 acres)
Garage Type	Attached
Garage Area	483 sqft
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	228 sqft
Patio Area	558 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	81 AARONS REEF
City	DESTIN
State	FL
Zip	32541-3760
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAYWINDS GOLF EST PH II LOT 16
Legal Subdivision	BAYWINDS GOLF EST
Legal Phase	2
Legal Lot Number	16
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	81 AARONS REEF, DESTIN, FL 32541-3760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAPITAL INC
Dec 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BK/MS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2014 · Amount on Record
Deed Sale	Apr 16, 2014 · Amount on Record
Prior Sale	Jan 5, 2012 · Amount on Record
Deed Document Number	20142922200
Deed Book / Page	3144 / 630
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	81 AARONS REEF, DESTIN, FL 32541-3760
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 AARONS REEF, DESTIN, FL 32541-3760

Mortgage

Document Number	0034893022
Date	Sep 4, 2020
Book Page	3489/3022
Instrument	3388576

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	81 AARONS REEF, DESTIN, FL 32541-3760
Document Number	0033311914
Book / Page	003331 / 001914
Instrument Date	Dec 18, 2017
Transaction Type	Mortgage
Record Updated	Jan 22, 2018
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	81 AARONS REEF DESTIN FL 325413760, DESTIN, FL 32541-3760

Mortgage

Document Number	0033311914
Date	Dec 28, 2017
Book Page	003331/001914
Instrument	3179854

Lender

Name	COMMUNITY BK/MS
Type	Bank
Address	FLOWOOD, MS 39232

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2047

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		$491,179 (+5.99%)	$695,845 (-4.84%) Land $163,225 Building $532,620
2024	$4,581.00 (+2.3%)
2023	$4,478.00 (+2.26%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$463,433 (+3%)	$731,239 (+7.21%) Land $148,103 Building $583,136
2022	$4,379.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$449,935	$682,078 Land $134,639 Building $547,439

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 2001) 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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