3920 Mesa Rd, Destin, FL 32541 Property Records

Okaloosa County property record for 3920 Mesa Rd, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,892 sqft · built 1998
Lot Size	0.194 acres (8,461 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (May 2003)
Tax Bill	$2,105 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-9029-2`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-9029-2`
Alternative APNs	`00-2S-22-1291-000A-0210` `22S2001291000A0210`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,892 sqft Living Area
Gross Area	2,796 sqft
1st Floor Area	1,892 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	8,461 sqft (0.194 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	52 sqft
Patio Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3920 MESA RD
City	DESTIN
State	FL
Zip	32541-2061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN WOODS LOT 21 BLK A
Legal Subdivision	INDIAN WOODS
Legal Block	A
Legal Lot Number	21
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1002
Census Tract	23305

Owner

3920 Mesa Rd is owned and occupied by an individual who bought it in May 2003.

Source: Okaloosa County records, as of December 31, 2025

Owner of Record	Individual Name on File
Mailing Address	3920 MESA RD, DESTIN, FL 32541-2061
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2003 · Amount on File
Deed Sale	May 14, 2003 · Amount on File
Deed Document Number	20032016155
Deed Book / Page	2437 / 1174
Prior Transfer Date	Apr 4, 2001
Prior Transfer Doc	0001835275
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	3920 MESA RD, DESTIN, FL 32541-2061
Transaction Type	Mortgage
Record Updated	Sep 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3920 MESA RD, DESTIN, FL 32541-2061

Mortgage

Document Number	0034951450
Date	Sep 29, 2020
Book Page	3495/1450
Instrument	3394622

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3920 Mesa Rd was $2,105 with a homeowner's exemption.

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	$2,105.00 Homeowner's exemption	$216,821	$418,038 Land $118,546 Building $299,492
2023	$1,983.00 (+2.75%) Homeowner's exemption	$204,573 (+3%)	$407,493 (+7.43%) Land $107,564 Building $299,929
2022	$1,930.00 Homeowner's exemption	$198,615	$379,307 Land $97,785 Building $281,522

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

Flood

FEMA maps place 3920 Mesa Rd in Zone X, an area of minimal flood risk, though there have been 65 flood claims nearby since 1991.

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 File 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

Wildfire risk around 3920 Mesa Rd is moderate, ranking above 45% of the US, with a 0.06% annual chance of 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