Okaloosa County property record for 82 Aarons Reef, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,129 sqft · built 2000 |
| Lot Size | 0.389 acres (16,948 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $370,000 (Aug 2017) |
| Tax Bill | $3,453 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-4279-8 |
| Primary APN | C56-000-589-4279-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,129 sqft Living Area |
| Gross Area | 3,174 sqft |
| 1st Floor Area | 2,129 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 16,948 sqft (0.389 acres) |
| Garage Type | Attached |
| Garage Area | 534 sqft |
| Driveway | Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 511 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 82 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 17 |
| Legal Subdivision | BAYWINDS GOLF EST |
| Legal Phase | 2 |
| Legal Lot Number | 17 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 23308 |
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 | 82 AARONS REEF, DESTIN, FL 32541-3759 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANPAL LLC |
| Aug 9, 2017 | Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2017 · Amount on Record |
| Deed Sale | Aug 9, 2017 · Amount on Record |
| Prior Sale | Jul 1, 2016 · Amount on Record |
| Deed Document Number | 20173152779 |
| Deed Book / Page | 3312 / 2523 |
| Prior Transfer Date | Mar 29, 2007 |
| Prior Transfer Doc | 0027792115 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 82 AARONS REEF, DESTIN, FL 32541-3759 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 82 AARONS REEF, DESTIN, FL 32541-3759 |
| Document Number | 0035292031 |
|---|---|
| Date | Mar 3, 2021 |
| Book Page | 3529/2031 |
| Instrument | 3434517 |
| Name | LOANPAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 9, 2017 |
| Property Address | 82 AARONS REEF, DESTIN, FL 32541-3759 |
| Document Number | 0033122523 |
| Book / Page | 3312 / 2523 |
| Map Reference | MB14 PG9 |
| Instrument Date | Aug 4, 2017 |
| Instrument | 3152779 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 940 LANTERN LN, 940, VERO BEACH, FL 32963-3036 |
| Name | Verified Name |
|---|---|
| Address | 82 AARONS REEF, DESTIN, FL 32541-3759 |
| Document Number | 0003152780 |
|---|---|
| Date | Aug 9, 2017 |
| Instrument | 3152780 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 310 Months |
| Due | Jun 16, 2043 |
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,453.00 (+5.44%) Homeowner's exemption | $365,955 (+5.99%) | $486,402 (-5.97%) Land $146,903 Building $339,499 |
| 2023 | $3,275.00 (+2.31%) Homeowner's exemption | $345,283 (+3%) | $517,292 (+8.52%) Land $140,698 Building $376,594 |
| 2022 | $3,201.00 Homeowner's exemption | $335,226 | $476,676 Land $127,907 Building $348,769 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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 2000) 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.
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.
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 |
| 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.
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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