Okaloosa County property record for 3896 Indian Trl, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,992 sqft · built 1999 |
| Lot Size | 0.458 acres (19,988 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,175,000 (Nov 2025) |
| Tax Bill | $7,156 (2025) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Oct 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-8577-1 |
| Primary APN | C56-000-589-8577-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,992 sqft Heated Area |
| Gross Area | 3,863 sqft |
| 1st Floor Area | 2,992 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 19,988 sqft (0.458 acres) |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Porch | Open Porch |
| Porch Area | 430 sqft |
| Patio Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3896 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 2 BLK A |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | INDIAN TRAIL S/D PH |
| Legal Phase | 2 |
| Legal Block | A |
| Legal Lot Number | 2 |
| 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 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4320 QUIET CT, GULF BREEZE, FL 32563-9181 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 10, 2025 | Warranty Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC |
| Oct 31, 2022 | Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| May 22, 2019 | Deed of Trust, Mortgage · Commercial Mortgage WHITNEY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 10, 2025 · Amount on Record |
| Deed Sale | Nov 10, 2025 · Amount on Record |
| Prior Sale | Oct 31, 2022 · Amount on Record |
| Deed Document Number | 3783828 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Nov 10, 2025 |
| Property Address | 3896 INDIAN TRL, DESTIN, FL 32541-1848 |
| Document Number | 0003783828 |
| Map Reference | MB 15 PG 81 |
| Instrument Date | Nov 7, 2025 |
| Instrument | 3783828 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2025 |
| Title Company | MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,225.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3896 INDIAN TRL, DESTIN, FL 32541-1848 |
| Name | Verified Name |
|---|---|
| Address | 4320 QUIET CT, GULF BREEZE, FL 32563-9181 |
| Document Number | 0003783829 |
|---|---|
| Date | Nov 10, 2025 |
| Instrument | 3783829 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 31, 2022 |
| Property Address | 3896 INDIAN TRL, DESTIN, FL 32541-1848 |
| Document Number | 0036491452 |
| Book / Page | 3649 / 1452 |
| Map Reference | MB 15 PG 81 |
| Instrument Date | Oct 28, 2022 |
| Instrument | 3588152 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2022 |
| Title Company | MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,545.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3896 INDIAN TRL, 3896, DESTIN, FL 32541-1848 |
| Name | Verified Name |
|---|---|
| Address | 1361 FOREST SHORE DR, MIRAMAR BEACH, FL 32550-5242 |
| Document Number | 0036491453 |
|---|---|
| Date | Oct 31, 2022 |
| Instrument | 3649/1453 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Nov 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 10% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3896 INDIAN TRL, DESTIN, FL 32541-1848 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034001409 |
|---|---|
| Date | May 22, 2019 |
| Book Page | 3400/1409 |
| Instrument | 3279459 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32541 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 1, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Okaloosa County assessment roll, as of July 1, 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 | $7,156.00 (+5.39%) Homeowner's exemption | $643,306 (+5.99%) | $882,898 (+1.03%) Land $255,065 Building $627,833 |
| 2023 | $6,790.00 (+20.52%) Homeowner's exemption | $606,967 (+19.95%) | $873,856 (+7.12%) Land $231,435 Building $642,421 |
| 2022 | $5,634.00 Homeowner's exemption | $505,998 | $815,763 Land $210,396 Building $605,367 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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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