3912 Indian Trl, Destin, FL 32541 Property Records

Okaloosa County property record for 3912 Indian Trl, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,230 sqft · built 1999
Lot Size	0.345 acres (15,040 sqft)
Owner	2 Individual Names on Record
Last Sale	$298,000 (Oct 2009)
Tax Bill	$2,971 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-8581-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-8581-3`
Alternative APNs	`00-2S-22-1271-000A-0060` `22S2001271000A0060`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,230 sqft Living Area
Gross Area	2,990 sqft
1st Floor Area	2,230 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	15,040 sqft (0.345 acres)
Garage Type	Attached
Garage Area	441 sqft
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	135 sqft
Patio Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3912 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 6 BLK A
Legal Subdivision	INDIAN TRAIL S/D
Legal Phase	2
Legal Block	A
Legal Lot Number	6
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	3912 INDIAN TRL, DESTIN, FL 32541-4333
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2009 · Amount on Record
Deed Sale	Oct 6, 2009 · Amount on Record
Prior Sale	Jul 1, 2005 · Amount on Record
Deed Document Number	20092593417
Deed Book / Page	2908 / 1946
Prior Transfer Date	Jul 25, 2003
Prior Transfer Doc	0002040243
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	3912 INDIAN TRL, DESTIN, FL 32541-4333
Transaction Type	Mortgage
Record Updated	Jun 14, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3912 INDIAN TRL, DESTIN, FL 32541-4333

Mortgage

Document Number	0035482095
Date	May 21, 2021
Book Page	3548/2095
Instrument	3457312

Lender

Name	MAGNOLIA BANK
Type	Bank
Address	HODGENVILLE, KY 42748

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 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	$2,971.00 (+3.88%) Homeowner's exemption Veteran's exemption Widower's exemption	$299,929 (+5.99%)	$677,312 (+2.32%) Land $229,559 Building $447,753
2023	$2,860.00 (+2.62%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$282,986 (+3%)	$661,929 (+7.28%) Land $208,292 Building $453,637
2022	$2,787.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$274,744	$617,030 Land $189,356 Building $427,674

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