Okaloosa County property record for 3904 Indian Trl, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,388 sqft · built 2001 |
| Lot Size | 0.459 acres (19,988 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $450,000 (Feb 2023) |
| Tax Bill | $8,279 (2025) |
| Deeds & Mortgages | Feb 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-8579-7 |
| Primary APN | C56-000-589-8579-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,388 sqft Living Area |
| Gross Area | 3,173 sqft |
| 1st Floor Area | 2,388 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 19,988 sqft (0.459 acres) |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Driveway | Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 325 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3904 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 4 BLK A |
| Legal Subdivision | INDIAN TRAIL S/D |
| Legal Phase | 2 |
| Legal Block | A |
| Legal Lot Number | 4 |
| 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 | 3904 INDIAN TRL, DESTIN, FL 32541-4333 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 6, 2023 · Amount on Record |
| Deed Sale | Feb 6, 2023 · Amount on Record |
| Prior Sale | Jul 1, 2005 · Amount on Record |
| Deed Document Number | 20233604731 |
| Deed Book / Page | 3661 / 632 |
| Prior Transfer Date | Jul 27, 2006 |
| Prior Transfer Doc | 0027284959 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 6, 2023 |
| Property Address | 3904 INDIAN TRL, DESTIN, FL 32541-4333 |
| Document Number | 0036610632 |
| Book / Page | 3661 / 632 |
| Map Reference | MB 2130 PG 25 |
| Instrument Date | Mar 1, 2021 |
| Instrument | 3604731 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3904 INDIAN TRL, DESTIN, FL 32541-4333 |
| Name | Verified Name |
|---|---|
| Address | 804 SPANISH MOSS TRL, DESTIN, FL 32541-2607 |
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 | $8,279.00 (+2.37%) Homeowner's exemption | $738,145 (+3.16%) Land $255,065 Building $483,080 | $738,145 (+3.16%) Land $255,065 Building $483,080 |
| 2023 | $8,087.00 (+152.4%) Homeowner's exemption | $715,524 (+135.13%) Land $231,435 Building $484,089 | $715,524 (+7.63%) Land $231,435 Building $484,089 |
| 2022 | $3,204.00 Homeowner's exemption | $304,306 | $664,812 Land $210,396 Building $454,416 |
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 | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond 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 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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