3889 Sand Dune Ct, Destin, FL 32541 Property Records

Okaloosa County property record for 3889 Sand Dune Ct, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,550 sqft · built 1998
Lot Size	0.195 acres (8,536 sqft)
Owner	Individual Name on Record
Last Sale	$1,450,000 (Aug 2023)
Tax Bill	$12,908 (2025)
Deeds & Mortgages	Oct 2022 Construction Loan Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-6850-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6850-4`
Alternative APN	`00-2S-22-067A-000A-0060`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	3,550 sqft Heated Area
Gross Area	4,556 sqft
1st Floor Area	876 sqft
Upper Floors Area	2,674 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Clay Tile
Lot Area	8,536 sqft (0.195 acres)
Garage Type	Finished
Garage Area	552 sqft
Porch	Open Porch
Porch Area	342 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3889 SAND DUNE CT
City	DESTIN
State	FL
Zip	32541-3209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DUNES OF DESTIN LOT 6 BLK A
Legal Range	22
Legal Township	02S
Legal Subdivision	DUNES OF DESTIN
Legal Block	A
Legal Lot Number	6
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1000
Census Tract	23303

Owner

Source: Okaloosa County records, as of December 8, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	114 RAES CREEK DR, GREENVILLE, SC 29609-1919
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2022	Deed of Trust, Mortgage · Construction Mortgage KIAVI FUNDING INC
Aug 8, 2023	Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Aug 5, 2021	Warranty Deed, Transfer · Construction Mortgage LENDINGHOME FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2023 · Amount on Record
Deed Sale	Aug 8, 2023 · Amount on Record
Prior Sale	Aug 5, 2021 · Amount on Record
Deed Document Number	3640293
Deed Book / Page	3686 / 4896
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	3889 SAND DUNE CT, DESTIN, FL 32541-3209
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4092, FORT WALTON BEACH, FL 32549-4092

Mortgage

Document Number	0036482972
Date	Oct 26, 2022
Book Page	3648/2972
Instrument	3587183

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 8, 2023
Property Address	3889 SAND DUNE CT, DESTIN, FL 32541-3209
Document Number	0036864896
Book / Page	3686 / 4896
Map Reference	MB 13 PG 39
Instrument Date	Aug 7, 2023
Instrument	3640293
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	NOT AVAILABLE, BEACH LAND AND TTL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 WALTER MARTIN RD NE, FORT WALTON BEACH, FL 32549-7701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114M RAES CREEK DR, GREENVILLE, SC 29609-1919

Mortgage

Document Number	0036864898
Date	Aug 8, 2023
Instrument	3686/4898

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2043

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 5, 2021
Property Address	3889 SAND DUNE CT, DESTIN, FL 32541-3209
Document Number	0035651397
Book / Page	3565 / 1397
Map Reference	MB 13 PG 39
Instrument Date	Jul 30, 2021
Instrument	3477959
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3889 SAND DUNE CT, DESTIN, FL 32541-3209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 WAITER MARTIN ROAD NORTHEAST, FORT WALTON BEACH, FL 32548-4918
Investor	Possibly a Property Investor

Mortgage

Document Number	0035651401
Date	Aug 5, 2021
Book Page	3565/1401
Instrument	3477961

Lender

Name	LENDINGHOME FUNDING CORP
Type	Mortgage Company
Address	PITTSBURGH, PA 15212

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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	$12,908.00 (+3.77%)	$1,089,903 (+3.45%) Land $262,985 Building $826,918	$1,089,903 (+3.45%) Land $262,985 Building $826,918
2023	$12,439.00 (+10.14%)	$1,053,510 (+12.4%) Land $227,775 Building $825,735	$1,053,510 (+12.4%) Land $227,775 Building $825,735
2022	$11,294.00	$937,265 Land $178,432 Building $758,833	$937,265 Land $178,432 Building $758,833

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 665 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3,929 units insured incl. 3,264 condo units
Nearby Flood Claims	507 (1979–2026)
Claims Outside the SFHA	33 of 507
Most Recent Claim	May 2026 · rainfall accumulation
Claims by Event	Hurricane Dennis, Jul 2005 · 57 claims Hurricane Frances, Oct 2004 · 159 claims Hurricane Opal, Oct 1995 · 218 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	Not rated no burnable land within 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 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 35
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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