3868 Mesa Rd, Destin, FL 32541 Property Records

Okaloosa County property record for 3868 Mesa Rd, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,869 sqft · built 1997
Lot Size	0.198 acres (8,641 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Mar 2018)
Tax Bill	$2,914 (2025)
Deeds & Mortgages	Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-9016-9`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-9016-9`
Alternative APN	`00-2S-22-1291-000A-0080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,869 sqft Heated Area
Gross Area	2,486 sqft
1st Floor Area	1,869 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	8,641 sqft (0.198 acres)
Garage Type	Finished
Garage Area	441 sqft
Porch	Open Porch
Porch Area	176 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3868 MESA RD
City	DESTIN
State	FL
Zip	32541-2060
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN WOODS LOT 8 BLK A
Legal Range	22
Legal Township	02S
Legal Subdivision	INDIAN WOODS
Legal Block	A
Legal Lot Number	8
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1002
Census Tract	23305

Owner

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
Mailing Address	3868 MESA RD, DESTIN, FL 32541-2060
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2018 · Amount on Record
Deed Sale	Mar 20, 2018 · Amount on Record
Prior Sale	Dec 3, 2001
Deed Document Number	3195253
Deed Book / Page	3341 / 4878
Record Updated	Jun 8, 2026

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 20, 2018
Property Address	3868 MESA RD, DESTIN, FL 32541-2060
Document Number	0033414878
Book / Page	3341 / 4878
Map Reference	MB15 PG36
Instrument Date	Mar 14, 2018
Instrument	3195253
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	EMERALD COST TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	265 PALM SPRINGS DR, 265, COLORADO SPRINGS, CO 80921-2674

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	362 SAILFISH DR, DESTIN, FL 32541-2247

Mortgage

Document Number	0003195254
Date	Mar 20, 2018
Instrument	3195254

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of July 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,914.00 (+5.85%) Homeowner's exemption	$285,119 (+5.99%)	$409,958 (+2.61%) Land $112,307 Building $297,651
2023	$2,753.00 (+2.57%) Homeowner's exemption	$269,014 (+3%)	$399,528 (+7.4%) Land $101,902 Building $297,626
2022	$2,684.00 Homeowner's exemption	$261,179	$372,010 Land $92,639 Building $279,371

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

Flood

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	Hurricane Frances, Sep 2004 · 10 claims Hurricane Georges, Sep 1998 · 10 claims Hurricane Opal, Oct 1995 · 17 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 317 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

May also be available: T-Mobile.

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