Okaloosa County property record for 3900 Indian Trl, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,053 sqft · built 1999 |
| Lot Size | 0.459 acres (19,988 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $674,500 (Jun 2020) |
| Tax Bill | $6,338 (2025) |
| Deeds & Mortgages | Apr 2018 Mortgage Jun 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-8578-9 |
| Primary APN | C56-000-589-8578-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,053 sqft Living Area |
| Gross Area | 3,743 sqft |
| 1st Floor Area | 3,053 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| 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 | 19,988 sqft (0.459 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Driveway | Driveway |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 30 sqft |
| Patio Area | 240 sqft |
| Gazebo | Gazebo |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3900 INDIAN TRL |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-4333 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INDIAN TRAIL S/D PH II LOT 3 BLK A |
| Legal Subdivision | INDIAN TRAIL S/D |
| Legal Phase | 2 |
| Legal Block | A |
| Legal Lot Number | 3 |
| 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 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 | 3900 INDIAN TRL, DESTIN, FL 32541-4333 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 11, 2018 | Deed of Trust, Mortgage · Commercial Mortgage HANCOCK BANK |
| Jun 29, 2020 | Warranty Deed, Transfer · VA Mortgage WATERSTONE MORTGAGE CORP |
| Apr 26, 2018 | Quit Claim Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2020 · Amount on Record |
| Deed Sale | Jun 29, 2020 · Amount on Record |
| Prior Sale | Mar 22, 2011 · Amount on Record |
| Deed Document Number | 20203369291 |
| Deed Book / Page | 3472 / 365 |
| Prior Transfer Date | Apr 25, 2018 |
| Prior Transfer Doc | 0033471866 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3900 INDIAN TRL, DESTIN, FL 32541-4333 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0033451619 |
|---|---|
| Date | Apr 11, 2018 |
| Book Page | 3345/1619 |
| Instrument | 3200022 |
| Name | HANCOCK BANK |
|---|---|
| Type | Bank |
| Address | PENSACOLA, FL 32504 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Mar 26, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 29, 2020 |
| Property Address | 3900 INDIAN TRL, DESTIN, FL 32541-4333 |
| Document Number | 0034720365 |
| Book / Page | 3472 / 365 |
| Map Reference | MB 15 PG 81 |
| Instrument Date | Jun 24, 2020 |
| Instrument | 3369291 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,721.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 928 PEACOCKS POINT DR, 928, DESTIN, FL 32541-1664 |
| Name | Verified Name |
|---|---|
| Address | 3900 INDIAN TRL, DESTIN, FL 32541-4333 |
| Document Number | 0003472367 |
|---|---|
| Date | Jun 29, 2020 |
| Instrument | 3472/367 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Apr 26, 2018 |
| Property Address | 3900 INDIAN TRL, DESTIN, FL 32541-4333 |
| Document Number | 0033471866 |
| Book / Page | 003347 / 001866 |
| Instrument Date | Mar 15, 2018 |
| Instrument | 3203056 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2018 |
| Title Company | SETCO SERVICES LLC, SETCO SVCS LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3900 INDIAN TRL DESTIN FL 325414333, DESTIN, FL 32541-4333 |
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 | $6,338.00 (+5.42%) Homeowner's exemption | $574,261 (+5.99%) | $759,691 (+1.93%) Land $255,065 Building $504,626 |
| 2023 | $6,012.00 (+2.31%) Homeowner's exemption | $541,822 (+3%) | $745,294 (+9.09%) Land $231,435 Building $513,859 |
| 2022 | $5,876.00 Homeowner's exemption | $526,041 | $683,171 Land $210,396 Building $472,775 |
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 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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