Okaloosa County property record for 3864 Mesa Rd, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,833 sqft · built 1997 |
| Lot Size | 0.35 acres (15,226 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $533,100 (Sep 2026) |
| Tax Bill | $4,491 (2024) |
| Deeds & Mortgages | Sep 2026 Sale Sep 2026 Sale + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9015-1 |
| Primary APN | C56-000-589-9015-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,833 sqft Living Area |
| Gross Area | 2,829 sqft |
| 1st Floor Area | 1,833 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 15,226 sqft (0.35 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Slab |
| Porch Area | 272 sqft |
| Patio Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3864 MESA RD |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2060 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INDIAN WOODS LOT 7 BLK A |
| Legal Subdivision | INDIAN WOODS |
| Legal Block | A |
| Legal Lot Number | 7 |
| 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 13, 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 | 3864 MESA RD, DESTIN, FL 32541-2060 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Sep 17, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Sep 2, 2026 | Warranty Deed, Transfer SUNBELT TITLE COMPANY, SUNBELT TITLE |
| Sep 2, 2026 | Warranty Deed, Transfer SUNBELT TITLE COMPANY, SUNBELT TITLE |
| Jan 26, 2021 | Warranty Deed, Transfer · VA Mortgage MORTGAGE ONE OF THE SOUTH INC |
| Mar 26, 2020 | Warranty Deed, Transfer · Construction Mortgage LIMA ONE CAP |
| Mar 26, 2020 | Quit Claim Deed, Transfer · Construction Mortgage LIMA ONE CAP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 2, 2026 · Amount on Record |
| Deed Sale | Sep 2, 2026 · Amount on Record |
| Prior Sale | Sep 2, 2026 · Amount on Record |
| Deed Document Number | 20263836592 |
| Last Transfer Date | Sep 4, 2026 |
| Transfer Doc | 0003839550 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 17, 2026 |
| Property Address | 3864 MESA RD, DESTIN, FL 32541-2060 |
| Document Number | 0003839550 |
| Instrument Date | Sep 4, 2026 |
| Instrument | 20263839550 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 3864 MESA RD, DESTIN, FL 32541-2060 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 2, 2026 |
| Property Address | 3864 MESA RD, DESTIN, FL 32541-2060 |
| Document Number | 0003836592 |
| Instrument Date | Sep 1, 2026 |
| Instrument | 20263836592 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | SUNBELT TITLE COMPANY, SUNBELT TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $376,901.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3864 MESA RD, DESTIN, FL 32541-2060 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 2, 2026 |
| Property Address | 3864 MESA RD, DESTIN, FL 32541-2060 |
| Document Number | 0003836591 |
| Instrument Date | Sep 1, 2026 |
| Instrument | 20263836591 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | SUNBELT TITLE COMPANY, SUNBELT TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $376,901.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 100 RESERVE RD, DANBURY, CT 06810-5267 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 26, 2021 |
| Property Address | 3864 MESA RD, DESTIN, FL 32541-2060 |
| Document Number | 0035204033 |
| Book / Page | 3520 / 4033 |
| Map Reference | MB 15 PG 36 |
| Instrument Date | Jan 21, 2021 |
| Instrument | 3424568 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | MEAD LAW AND TITLE, MEAD LAW & TITLE PLLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 981 HIGHWAY 98 E # E3241, 981, DESTIN, FL 32541-2801 |
| Name | Verified Name |
|---|---|
| Address | 3864 MESA RD, DESTIN, FL 32541-2060 |
| Document Number | 0035204035 |
|---|---|
| Date | Jan 26, 2021 |
| Instrument | 3520/4035 |
| Name | MORTGAGE ONE OF THE SOUTH INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 26, 2020 |
| Property Address | 3864 MESA RD, DESTIN, FL 32541-2060 |
| Document Number | 0034520956 |
| Book / Page | 003452 / 000956 |
| Instrument Date | Mar 23, 2020 |
| Instrument | 3347556 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,505.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 981 HIGHWAY 98 E #3-241 DESTIN FL 325412584, 3-241, DESTIN, FL 32541-2584 |
| Document Number | 34520960 |
|---|---|
| Date | Mar 26, 2020 |
| Book Page | 003452/000960 |
| Instrument | 3347558 |
| Name | LIMA ONE CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | GREENVILLE, SC 29601 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 25, 2021 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 26, 2020 |
| Property Address | 3864 MESA RD, DESTIN, FL 32541-2060 |
| Document Number | 0034520958 |
| Book / Page | 003452 / 000958 |
| Instrument Date | Mar 23, 2020 |
| Instrument | 3347557 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 981 HIGHWAY 98 E #3-241 DESTIN FL 325412584, 3-241, DESTIN, FL 32541-2584 |
| Document Number | 34520960 |
|---|---|
| Date | Mar 26, 2020 |
| Book Page | 003452/000960 |
| Instrument | 3347558 |
| Name | LIMA ONE CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | GREENVILLE, SC 29601 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 25, 2021 |
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 | $435,071 (+5.99%) | $455,363 (+2.83%) Land $137,264 Building $318,099 | |
| 2024 | $4,491.00 (+2.46%) | ||
| 2023 | $4,383.00 (+2.74%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $410,495 (+3.28%) | $442,816 (+7.79%) Land $124,547 Building $318,269 |
| 2022 | $4,266.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $397,454 | $410,816 Land $113,225 Building $297,591 |
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 |
| 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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