Okaloosa County property record for 3800 Indigo Cir, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,901 sqft · built 1997 |
| Lot Size | 0.172 acres (7,504 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $290,000 (Jan 2020) |
| Tax Bill | $3,200 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Dec 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-8530-0 |
| Primary APN | C56-000-589-8530-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,901 sqft Living Area |
| Gross Area | 2,429 sqft |
| 1st Floor Area | 1,901 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 7,504 sqft (0.172 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Porch | Florida Room |
| Porch Area | 148 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3800 INDIGO CIR |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INDIAN TRAIL EST LOT 1 |
| Legal Subdivision | INDIAN TRAIL EST |
| Legal Lot Number | 1 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 23305 |
Source: Okaloosa County records, as of May 11, 2026
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 |
|---|---|
| Mailing Address | 3800 INDIGO CIR, DESTIN, FL 32541-2001 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2026 | Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC |
| Dec 7, 2021 | Deed of Trust, Mortgage · VA Mortgage PACIFIC SUN MORTGAGE |
| Nov 25, 2020 | Deed of Trust, Mortgage · VA Mortgage BEACH COMMUNITY MORTGAGE SERVICES INC |
| Jan 24, 2020 | Special Warranty Deed, Transfer · VA Mortgage WATERSTONE MORTGAGE CORP |
| Mar 29, 2019 | Deed in Lieu of Foreclosure, Foreclosure DENVER DIL TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 24, 2020 · Amount on Record |
| Deed Sale | Jan 24, 2020 · Amount on Record |
| Prior Sale | Mar 29, 2019 · Amount on Record |
| Deed Document Number | 20203332516 |
| Deed Book / Page | 3440 / 1444 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Apr 29, 2026 |
| Property Address | 3800 INDIGO CIR, DESTIN, FL 32541-2001 |
| Document Number | 0003813743 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 20263813743 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | HOMEBRIDGE FINANCIAL SERVICES INC, HOMEBRIDGE FINANCIAL SERVICE |
| Name | Verified Name |
|---|---|
| Address | 3800 INDIGO CIR, DESTIN, FL 32541-2001 |
| Document Number | 0003813743, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 20263813743 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 23, 2056 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3800 INDIGO CIR, DESTIN, FL 32541-2001 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3800 INDIGO CIR, DESTIN, FL 32541-2001 |
| Document Number | 0035912445 |
|---|---|
| Date | Dec 7, 2021 |
| Book Page | 3591/2445 |
| Instrument | 3510737 |
| Name | PACIFIC SUN MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3800 INDIGO CIR, DESTIN, FL 32541-2001 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3800 INDIGO CIR, DESTIN, FL 32541-2001 |
| Document Number | 0035080644 |
|---|---|
| Date | Nov 25, 2020 |
| Book Page | 3508/644 |
| Instrument | 3410414 |
| Name | BEACH COMMUNITY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 24, 2020 |
| Property Address | 3800 INDIGO CIR, DESTIN, FL 32541-2001 |
| Document Number | 0034401444 |
| Book / Page | 3440 / 1444 |
| Map Reference | MB 12 PG 71 |
| Instrument Date | Dec 3, 2019 |
| Instrument | 3332516 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | SERVICELINK LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,030.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9990 RICHMOND AVE # AVE400S, 9990, HOUSTON, TX 77042-4559 |
| Name | Verified Name |
|---|---|
| Address | 3800 INDIGO CIR, DESTIN, FL 32541-2001 |
| Document Number | 0034401455 |
|---|---|
| Date | Jan 24, 2020 |
| Instrument | 3440/1455 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 29, 2019 |
| Property Address | 3800 INDIGO CIR, DESTIN, FL 32541-2001 |
| Document Number | 0033912046 |
| Book / Page | 003391 / 002046 |
| Instrument Date | Mar 28, 2019 |
| Instrument | 3267933 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 11, 2019 |
| Title Company | DENVER DIL TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,995.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 9990 RICHMOND AVE #400S HOUSTON TX 770428500, 400S, HOUSTON, TX 77042-8500 |
Source: Okaloosa County assessment roll, as of December 31, 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 | $3,200.00 (+5.79%) Homeowner's exemption | $309,234 (+5.99%) | $427,032 (+3.02%) Land $124,786 Building $302,246 |
| 2023 | $3,025.00 (+2.54%) Homeowner's exemption | $291,766 (+3%) | $414,506 (+7.49%) Land $113,225 Building $301,281 |
| 2022 | $2,950.00 Homeowner's exemption | $283,268 | $385,629 Land $102,932 Building $282,697 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 156 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 258 units insured incl. 102 condo units |
| Nearby Flood Claims | 65 (1991–2021) |
| Claims Outside the SFHA | 43 of 65 |
| Most Recent Claim | Jun 2021 · other causes |
| 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 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 220 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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