3899 Sand Dune Ct, Destin, FL 32541 Property Records

Okaloosa County property record for 3899 Sand Dune Ct, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,162 sqft · built 1995
Lot Size	0.114 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$478,000 (Apr 2019)
Tax Bill	$5,043 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2023 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`C56-000-589-6845-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-6845-4`
Alternative APN	`00-2S-22-067A-000A-0010`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,162 sqft Heated Area
Gross Area	2,914 sqft
1st Floor Area	828 sqft
Upper Floors Area	1,175 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	5,000 sqft (0.114 acres)
Garage Type	Finished
Garage Area	506 sqft
Porch	Porch
Porch Area	108 sqft
Patio Area	138 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3899 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 1 BLK A
Legal Range	22
Legal Township	02S
Legal Subdivision	DUNES OF DESTIN
Legal Block	A
Legal Lot Number	1
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1000
Census Tract	23303

Owner

3899 Sand Dune Ct is owned and occupied by an individual who bought it in April 2019.

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 File
Co-owner	Co-owner on File
Mailing Address	3899 SAND DUNE CT, DESTIN, FL 32541-3209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 26, 2023	Deed of Trust, Mortgage · Line of Credit WHITNEY BANK
Aug 19, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 9, 2019	Warranty Deed, Transfer · VA Mortgage CERTAINTY HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2019 · Amount on File
Deed Sale	Apr 9, 2019 · Amount on File
Deed Document Number	3269788
Deed Book / Page	3392 / 3667
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	3899 SAND DUNE CT, DESTIN, FL 32541-3209
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3899 SAND DUNE CT, DESTIN, FL 32541-3209

Mortgage

Document Number	0035784801
Date	Oct 7, 2021
Book Page	3578/4801
Instrument	3494985

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	332 Months
Due	Jun 1, 2049

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	3899 SAND DUNE CT, DESTIN, FL 32541-3209
Transaction Type	Mortgage
Record Updated	Feb 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3899 SAND DUNE CT, DESTIN, FL 32541-3209

Mortgage

Document Number	0003663428
Date	Dec 26, 2023
Instrument	3663428

Lender

Name	WHITNEY BANK
Type	Bank
Address	GULFPORT, MS 39501

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	3899 SAND DUNE CT, DESTIN, FL 32541-3209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034843128
Date	Aug 19, 2020
Book Page	3484/3128
Instrument	3383230

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	345 Months
Due	May 1, 2049

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 9, 2019
Property Address	3899 SAND DUNE CT, DESTIN, FL 32541-3209
Document Number	0033923667
Book / Page	3392 / 3667
Map Reference	MB 13 PG 39
Instrument Date	Apr 1, 2019
Instrument	3269788
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,346.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1124 TERRA ROSA DR, 1124, KNOXVILLE, TN 37932-2558

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10670 SHERLOCK DR, CEMENT CITY, MI 49233-9055

Mortgage

Document Number	0003269789
Date	Apr 9, 2019
Instrument	3269789

Lender

Name	CERTAINTY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3899 Sand Dune Ct was $5,043 with a homeowner's exemption.

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	$5,043.00 Homeowner's exemption	$464,882	$625,637 Land $215,170 Building $410,467
2023	$4,741.00 (+2.38%) Homeowner's exemption	$435,442 (+3%)	$603,593 (+14.22%) Land $195,235 Building $408,358
2022	$4,631.00 Homeowner's exemption	$422,759	$528,449 Land $152,941 Building $375,508

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3899 Sand Dune Ct in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

The area around 3899 Sand Dune Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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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