Okaloosa County property record for 3896 Mesa Rd, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,795 sqft · built 1997 |
| Lot Size | 0.168 acres (7,334 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $440,000 (Sep 2026) |
| Tax Bill | $4,217 (2025) |
| Deeds & Mortgages | Sep 2026 Sale Mar 2026 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9023-5 |
| Primary APN | C56-000-589-9023-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,795 sqft Living Area |
| Gross Area | 2,516 sqft |
| 1st Floor Area | 1,795 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 7,334 sqft (0.168 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Porch | Slab |
| Porch Area | 65 sqft |
| Patio Area | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3896 MESA RD |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2060 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INDIAN WOODS LOT 15 BLK A |
| Legal Subdivision | INDIAN WOODS |
| Legal Block | A |
| Legal Lot Number | 15 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 23305 |
3896 Mesa Rd is owned and occupied by two individuals who bought it in September 2026.
Source: Okaloosa County records, as of October 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3896 MESA RD, DESTIN, FL 32541-2060 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 22, 2026 | Warranty Deed, Transfer MCNEESE TITLE LLC, MCNEESE TITLE |
| Mar 3, 2026 | Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Sep 19, 2022 | Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2026 · Amount on File |
| Deed Sale | Sep 22, 2026 · Amount on File |
| Prior Sale | Sep 19, 2022 · Amount on File |
| Deed Document Number | 20263839887 |
| Prior Transfer Date | Feb 20, 2026 |
| Prior Transfer Doc | 0003801889 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 22, 2026 |
| Property Address | 3896 MESA RD, DESTIN, FL 32541-2060 |
| Document Number | 0003839887 |
| Instrument Date | Sep 18, 2026 |
| Instrument | 20263839887 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2026 |
| Title Company | MCNEESE TITLE LLC, MCNEESE TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $311,080.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3896 MESA RD, DESTIN, FL 32541-2060 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 3, 2026 |
| Property Address | 3896 MESA RD, DESTIN, FL 32541-2060 |
| Document Number | 0003801889 |
| Map Reference | MB 15 PG 36 |
| Instrument Date | Feb 20, 2026 |
| Instrument | 3801889 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4619 WINDSTARR DR, DESTIN, FL 32541-4767 |
| Name | Verified Name |
|---|---|
| Address | 3896 MESA RD, DESTIN, FL 32541-2060 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 19, 2022 |
| Property Address | 3896 MESA RD, DESTIN, FL 32541-2060 |
| Document Number | 0036432031 |
| Book / Page | 3643 / 2031 |
| Map Reference | MB 15 PG 36 |
| Instrument Date | Sep 15, 2022 |
| Instrument | 3579481 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,325.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3896 MESA RD, DESTIN, FL 32541-2060 |
| Name | Verified Name |
|---|---|
| Address | 203 INDIAN OAKS DR, DESTIN, FL 32541-2535 |
| Document Number | 0036432032 |
|---|---|
| Date | Sep 19, 2022 |
| Book Page | 3643/2032 |
| Instrument | 3579482 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
The 2025 property tax bill for 3896 Mesa Rd was $4,217.
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 | $4,217.00 | $395,111 | $408,206 Land $112,307 Building $295,899 |
| 2023 | $3,993.00 (+60.62%) Homeowner's exemption | $372,792 (+52.31%) | $397,722 (+9.46%) Land $101,902 Building $295,820 |
| 2022 | $2,486.00 Homeowner's exemption | $244,763 | $363,343 Land $92,639 Building $270,704 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3896 Mesa Rd in Zone X, an area of minimal flood risk, though there have been 65 flood claims nearby since 1991.
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 File 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.
Wildfire risk around 3896 Mesa Rd is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.
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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