Okaloosa County property record for 3892 Indian Trl, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,992 sqft · built 1999 |
| Lot Size | 0.477 acres (20,777 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,756 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-8576-3 |
| Primary APN | C56-000-589-8576-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,992 sqft Living Area |
| Gross Area | 3,857 sqft |
| 1st Floor Area | 2,992 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 20,777 sqft (0.477 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Driveway | Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 424 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3892 INDIAN TRL |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1848 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INDIAN TRAIL S/D PH II LOT 1 BLK A |
| Legal Subdivision | INDIAN TRAIL S/D |
| Legal Phase | 2 |
| Legal Block | A |
| Legal Lot Number | 1 |
| 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 January 16, 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 | 3892 INDIAN TRL, DESTIN, FL 32541-1848 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 7, 2022 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Mar 11, 2021 | Deed of Trust, Mortgage · VA Mortgage TRIDENT HOME LOANS LLC |
| Apr 5, 2018 | Deed of Trust, Mortgage · Line of Credit PEN AIR FCU |
| Nov 27, 2019 | Quit Claim Deed, Transfer · VA Mortgage TRIDENT HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 27, 2019 |
| Deed Sale | Nov 27, 2019 |
| Prior Sale | Sep 6, 2001 · Amount on Record |
| Deed Document Number | 20193321034 |
| Deed Book / Page | 3431 / 721 |
| Prior Transfer Date | Nov 21, 2019 |
| Prior Transfer Doc | 0034310721 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3892 INDIAN TRL, DESTIN, FL 32541-1848 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3892 INDIAN TRL, DESTIN, FL 32541-1848 |
| Document Number | 0036460890 |
|---|---|
| Date | Oct 7, 2022 |
| Book Page | 3646/890 |
| Instrument | 3583471 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 19, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3892 INDIAN TRL, DESTIN, FL 32541-1848 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3892 INDIAN TRL, DESTIN, FL 32541-1848 |
| Document Number | 0035313076 |
|---|---|
| Date | Mar 11, 2021 |
| Book Page | 3531/3076 |
| Instrument | 3437134 |
| Name | TRIDENT HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | PENSACOLA, FL 32501 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 2, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3892 INDIAN TRL, DESTIN, FL 32541-1848 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033443142 |
|---|---|
| Date | Apr 5, 2018 |
| Book Page | 3344/3142 |
| Instrument | 3198898 |
| Name | PEN AIR FCU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32514 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Nov 27, 2019 |
| Property Address | 3892 INDIAN TRL, DESTIN, FL 32541-1848 |
| Document Number | 0034310721 |
| Book / Page | 003431 / 000721 |
| Instrument Date | Nov 21, 2019 |
| Instrument | 3321034 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2019 |
| Title Company | FIRST NATIONAL LAND TITLE COMPANY INC, FIRST NAT'L LAND TITLE CO INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3892 INDIAN TRL DESTIN FL 325411848, DESTIN, FL 32541-1848 |
| Document Number | 34310722 |
|---|---|
| Date | Nov 27, 2019 |
| Book Page | 003431/000722 |
| Instrument | 3321035 |
| Name | TRIDENT HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | GULF BREEZE, FL 32561 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 26, 2049 |
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 | $3,756.00 (+5.77%) Homeowner's exemption Veteran's exemption | $361,259 (+5.99%) | $755,589 (+1.98%) Land $255,065 Building $500,524 |
| 2023 | $3,551.00 (+2.51%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $340,852 (+3%) | $740,907 (+8.37%) Land $231,435 Building $509,472 |
| 2022 | $3,464.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $330,924 | $683,665 Land $210,396 Building $473,269 |
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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