3815 Indigo Cir, Destin, FL 32541 Property Records

Okaloosa County property record for 3815 Indigo Cir, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,669 sqft · built 1993
Lot Size	0.176 acres (7,645 sqft)
Owner	2 Individual Names on File
Last Sale	$196,500 (Jul 2014)
Tax Bill	$3,501 (2025)
Deeds & Mortgages	Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-8550-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-8550-8`
Alternative APNs	`00-2S-22-1269-0000-0210` `22S200126900000210`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,669 sqft Living Area
Gross Area	2,299 sqft
1st Floor Area	1,669 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	7,645 sqft (0.176 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Finished/Open Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3815 INDIGO CIR
City	DESTIN
State	FL
Zip	32541-2022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN TRAIL EST LOT 21
Legal Subdivision	INDIAN TRAIL EST
Legal Lot Number	21
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1017
Census Tract	23305

Owner

Source: Okaloosa County records · APN C56-000-589-8550-8

Assessment roll updated December 31, 2025 · Last verified April 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 File
Mailing Address	3815 INDIGO CIR, DESTIN, FL 32541-2022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 10, 2014 · Amount on Record
Deed Sale	Jul 10, 2014 · Amount on Record
Prior Sale	Feb 28, 2014 · Amount on Record
Deed Document Number	20142938284
Deed Book / Page	3155 / 1332
Prior Transfer Date	Jun 16, 2009
Prior Transfer Doc	0028941006
Record Updated	Jun 08, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	3815 INDIGO CIR, DESTIN, FL 32541-2022
Document Number	0033570552
Instrument Date	Jun 25, 2018
Transaction Type	Mortgage
Record Updated	Jul 19, 2018
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3815 INDIGO CIR DESTIN FL 325412022, DESTIN, FL 32541-2022

Mortgage

Document Number	0033570552
Date	Jul 02, 2018
Book Page	003357/000552
Instrument	3216951

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2048

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified April 2026

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,501.00 (+5.74%) Homeowner's exemption	$334,650 (+5.99%)	$457,257 (+2.41%) Land $124,786 Building $332,471
2023	$3,311.00 (+2.48%) Homeowner's exemption	$315,747 (+3%)	$446,504 (+7.36%) Land $113,225 Building $333,279
2022	$3,231.00 Homeowner's exemption	$306,550	$415,878 Land $102,932 Building $312,946

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 8, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
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	Hurricane Frances, Sep 2004 · 10 claims Hurricane Georges, Sep 1998 · 10 claims Hurricane Opal, Oct 1995 · 17 claims

Wildfire

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 115 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	DESTIN WATER USERS, INC. private · serves 31,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.