Okaloosa County property record for 3848 Mesa Rd, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,674 sqft · built 1998 |
| Lot Size | 0.267 acres (11,641 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,603 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage Jul 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9011-0 |
| Primary APN | C56-000-589-9011-0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,674 sqft Living Area |
| Gross Area | 2,106 sqft |
| 1st Floor Area | 1,674 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 11,641 sqft (0.267 acres) |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 33 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3848 MESA RD |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2060 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INDIAN WOODS LOT 3 BLK A & BEG NW COR LOT 4 S 69 DEG E 203.68 FT S ALG R/W 1.51 FT N 69 DEG W 203.83 FT TO POB |
| Legal Subdivision | INDIAN WOODS |
| Legal Block | A |
| Legal Lot Number | 30 |
| 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 October 5, 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 | 7511 FRESHWOOD CT, ALEXANDRIA, VA 22315-4128 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CERTAINTY HOME LOANS LLC |
| Jul 24, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jul 24, 2018 |
| Transfer Doc | 0033601887 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3848 MESA RD, DESTIN, FL 32541-2060 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0034161687 |
|---|---|
| Date | Aug 29, 2019 |
| Book Page | 3416/1687 |
| Instrument | 3301267 |
| Name | CERTAINTY HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75093 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 24, 2018 |
| Property Address | 3848 MESA RD, DESTIN, FL 32541-2060 |
| Document Number | 0033601887 |
| Book / Page | 003360 / 001887 |
| Instrument Date | Jul 24, 2018 |
| Instrument | 3221678 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3848 MESA RD DESTIN FL 325412060, DESTIN, FL 32541-2060 |
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 | $4,603.00 (+10.12%) | $388,671 (+3.32%) Land $124,786 Building $263,885 | $388,671 (+3.32%) Land $124,786 Building $263,885 |
| 2023 | $4,180.00 (+7.76%) | $376,195 (+7.55%) Land $113,225 Building $262,970 | $376,195 (+7.55%) Land $113,225 Building $262,970 |
| 2022 | $3,879.00 | $349,774 Land $102,932 Building $246,842 | $349,774 Land $102,932 Building $246,842 |
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 AE, 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 65% of the US · lower than 91% 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 115 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 in parts of the area | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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