Okaloosa County property record for 3916 Indian Trl, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,008 sqft · built 1999 |
| Lot Size | 0.344 acres (14,991 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $325,000 (Nov 2010) |
| Tax Bill | $4,528 (2023) |
| Deeds & Mortgages | Dec 2020 Mortgage Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-8582-1 |
| Primary APN | C56-000-589-8582-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,008 sqft Heated Area |
| Gross Area | 3,807 sqft |
| 1st Floor Area | 3,008 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 14,991 sqft (0.344 acres) |
| Garage Type | Finished |
| Garage Area | 525 sqft |
| Porch | Open Porch |
| Porch Area | 24 sqft |
| Patio Area | 250 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3916 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 7 BLK A |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | INDIAN TRAIL S/D PH |
| Legal Phase | 2 |
| Legal Block | A |
| Legal Lot Number | 7 |
| 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 December 8, 2025
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 | 3916 INDIAN TRL, DESTIN, FL 32541-4333 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 14, 2020 | Deed of Trust, Mortgage · VA Mortgage PROGRESS BANK & TRUST |
| Mar 20, 2017 | Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2010 · Amount on Record |
| Deed Sale | Nov 2, 2010 · Amount on Record |
| Prior Sale | Feb 22, 2002 · Amount on Record |
| Deed Document Number | 2668042 |
| Deed Book / Page | 2959 / 0536 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3916 INDIAN TRL, DESTIN, FL 32541-4333 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3916 INDIAN TRL, DESTIN, FL 32541-4333 |
| Document Number | 0035114891 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 3511/4891 |
| Instrument | 3414674 |
| Name | PROGRESS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | HUNTSVILLE, AL 35801 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3916 INDIAN TRL, DESTIN, FL 32541-4333 |
| Document Number | 0032922917 |
| Book / Page | 003292 / 002917 |
| Instrument Date | Mar 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2017 |
| Title Company | WORLDWIDE RECORDING INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3916 INDIAN TRL DESTIN FL 325414333, DESTIN, FL 32541-4333 |
| Document Number | 0032922917 |
|---|---|
| Date | Mar 24, 2017 |
| Book Page | 003292/002917 |
| Instrument | 3125065 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 276 Months |
| Due | Mar 23, 2040 |
Source: Okaloosa County assessment roll, as of July 1, 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 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $447,871 (+5.99%) | $822,964 (+1.52%) Land $229,559 Building $593,405 |
| 2023 | $4,528.00 (+2.44%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $422,572 (+3%) | $810,670 (+8.81%) Land $208,292 Building $602,378 |
| 2022 | $4,420.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $410,264 | $745,039 Land $189,356 Building $555,683 |
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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