Okaloosa County property record for 3897 Sand Dune Ct, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,266 sqft · built 2004 |
| Lot Size | 0.126 acres (5,492 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $490,000 (Jul 2016) |
| Tax Bill | $6,364 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-6846-2 |
| Primary APN | C56-000-589-6846-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,266 sqft Living Area |
| Gross Area | 3,086 sqft |
| 1st Floor Area | 1,366 sqft |
| Upper Floors Area | 900 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 5,492 sqft (0.126 acres) |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 316 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3897 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 2 BLK A |
| Legal Subdivision | DUNES OF DESTIN |
| Legal Block | A |
| Legal Lot Number | 2 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 23303 |
Source: Okaloosa County records, as of August 27, 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 | 3897 SAND DUNE CT, DESTIN, FL 32541-3209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2016 · Amount on Record |
| Deed Sale | Jul 1, 2016 · Amount on Record |
| Prior Sale | Nov 1, 2013 · Amount on Record |
| Deed Document Number | 20163075194 |
| Deed Book / Page | 3255 / 119 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3897 SAND DUNE CT, DESTIN, FL 32541-3209 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034592026 |
|---|---|
| Date | Apr 30, 2020 |
| Book Page | 3459/2026 |
| Instrument | 3355130 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
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 | $6,364.00 (+5.43%) Homeowner's exemption | $576,403 (+5.99%) | $856,172 (+4.6%) Land $215,170 Building $641,002 |
| 2023 | $6,036.00 (+2.32%) Homeowner's exemption | $543,843 (+3%) | $818,523 (+20.69%) Land $206,082 Building $612,441 |
| 2022 | $5,899.00 Homeowner's exemption | $528,003 | $678,208 Land $161,438 Building $516,770 |
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 |
|---|---|
| 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 |
|
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 | 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.
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 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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