3907 Mesa Rd, Destin, FL 32541 Property Records

Okaloosa County property record for 3907 Mesa Rd, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,660 sqft · built 1995
Lot Size	0.191 acres (8,307 sqft)
Owner	2 Individual Names on Record
Last Sale	$392,000 (Mar 2021)
Tax Bill	$3,997 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-9041-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-9041-7`
Alternative APNs	`00-2S-22-1291-000B-0070` `22S2001291000B0070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,660 sqft Living Area
Gross Area	2,387 sqft
1st Floor Area	1,660 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	8,307 sqft (0.191 acres)
Garage Type	Attached
Garage Area	529 sqft
Porch	Florida Room
Porch Area	198 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3907 MESA RD
City	DESTIN
State	FL
Zip	32541-2065
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN WOODS LOT 7 BLK B
Legal Subdivision	INDIAN WOODS
Legal Block	B
Legal Lot Number	7
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1002
Census Tract	23305

Owner

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	3907 MESA RD, DESTIN, FL 32541-2065
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2021 · Amount on Record
Deed Sale	Mar 30, 2021 · Amount on Record
Prior Sale	Jun 23, 2011 · Amount on Record
Deed Document Number	20213442071
Deed Book / Page	3535 / 3429
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 30, 2021
Property Address	3907 MESA RD, DESTIN, FL 32541-2065
Document Number	0035353429
Book / Page	3535 / 3429
Map Reference	MB 15 PG 36
Instrument Date	Mar 5, 2021
Instrument	3442071
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,744.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6009 ROYAL PORT CT, 6009, PENSACOLA, FL 32526-1739

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3907 MESA RD, DESTIN, FL 32541-2065

Mortgage

Document Number	0035353431
Date	Mar 30, 2021
Instrument	3535/3431

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 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	$3,997.00 (+5.66%) Homeowner's exemption	$376,531 (+5.99%)	$404,440 (+2.88%) Land $118,546 Building $285,894
2023	$3,783.00 (-14.18%) Homeowner's exemption	$355,261 (-2.89%)	$393,111 (+7.46%) Land $107,564 Building $285,547
2022	$4,408.00	$365,837 Land $97,785 Building $268,052	$365,837 Land $97,785 Building $268,052

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

Flood

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	Hurricane Frances, Sep 2004 · 10 claims Hurricane Georges, Sep 1998 · 10 claims Hurricane Opal, Oct 1995 · 17 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

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.

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 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