Okaloosa County property record for 9 Cahaba Ln, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,752 sqft · built 1982 |
| Lot Size | 0.328 acres (14,329 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $690,000 (Jun 2025) |
| Tax Bill | $4,087 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-8629-0 |
| Primary APN | C56-000-589-8629-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,752 sqft Heated Area |
| Gross Area | 3,378 sqft |
| 1st Floor Area | 2,255 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 14,329 sqft (0.328 acres) |
| Lot Width | 92 ft Width |
| Garage Type | Finished |
| Garage Area | 675 sqft |
| Porch | Open Porch |
| Porch Area | 108 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 9 CAHABA LN |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-4422 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INDIAN BAYOU S/D LOT 37 BLK B |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | INDIAN BAYOU S/D |
| Legal Block | B |
| Legal Lot Number | 37 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 23304 |
Source: Okaloosa County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 137 1ST CAVALRY RD, FORT LEAVENWORTH, KS 66027-1202 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2022 | Deed of Trust, Mortgage · Conventional Mortgage EMPOWER FCU |
| Oct 21, 2020 | Warranty Deed, Transfer · VA Mortgage FIDELITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 2025 · Amount on Record |
| Deed Sale | Jun 11, 2025 · Amount on Record |
| Prior Sale | Oct 21, 2020 · Amount on Record |
| Deed Document Number | 3759019 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 9 CAHABA LN, DESTIN, FL 32541-4422 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2022 |
| Name | Verified Name |
|---|---|
| Address | 9 CAHABA LN, DESTIN, FL 32541-4422 |
| Document Number | 0036301365 |
|---|---|
| Date | Jun 29, 2022 |
| Book Page | 3630/1365 |
| Instrument | 3561093 |
| Name | EMPOWER FCU |
|---|---|
| Type | Credit Union |
| Address | SYRACUSE, NY 13212 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 21, 2020 |
| Property Address | 9 CAHABA LN, DESTIN, FL 32541-4422 |
| Document Number | 0035000066 |
| Book / Page | 3500 / 66 |
| Map Reference | MB 5 PG 114-117 |
| Instrument Date | Oct 15, 2020 |
| Instrument | 3400648 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2021 |
| Title Company | EMERALD COAST TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,730.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 228 WOBURN, 228, WILLIAMSBURG, VA 23188-8932 |
| Name | Verified Name |
|---|---|
| Address | 9 CAHABA LN, DESTIN, FL 32541-4422 |
| Document Number | 350070 |
|---|---|
| Date | Oct 21, 2020 |
| Instrument | 3500/70 |
| Name | FIDELITY BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,087.00 (+14.19%) Homeowner's exemption | $384,179 (+13.62%) | $525,191 (+10.2%) Land $150,096 Building $375,095 |
| 2023 | $3,579.00 (+2.46%) Homeowner's exemption | $338,136 (+3%) | $476,599 (+10.11%) Land $136,190 Building $340,409 |
| 2022 | $3,493.00 Homeowner's exemption | $328,287 | $432,828 Land $123,809 Building $309,019 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|
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 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 | 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 |
| 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 78 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 · Fiber in parts of the area | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: CenturyLink, T-Mobile.
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