Okaloosa County property record for 3928 Mesa Rd, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,946 sqft · built 1999 |
| Lot Size | 0.164 acres (7,155 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $470,000 (Oct 2025) |
| Tax Bill | $2,072 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Oct 2025 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-9031-8 |
| Primary APN | C56-000-589-9031-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,946 sqft Living Area |
| Gross Area | 2,518 sqft |
| 1st Floor Area | 1,946 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 7,155 sqft (0.164 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 12 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3928 MESA RD |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-2061 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INDIAN WOODS LOT 23 BLK A |
| Legal Subdivision | INDIAN WOODS |
| Legal Block | A |
| Legal Lot Number | 23 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 23305 |
3928 Mesa Rd is owned by two individuals who bought it in October 2025.
Source: Okaloosa County records, as of January 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 315 FAIRMOUNT RD, LONG VALLEY, NJ 07853-3012 |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 8, 2025 | Warranty Deed, Transfer · VA Mortgage NFM LENDING |
| Oct 6, 2025 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2025 · Amount on File |
| Deed Sale | Oct 8, 2025 · Amount on File |
| Prior Sale | Sep 19, 2008 · Amount on File |
| Deed Document Number | 20253776809 |
| Prior Transfer Date | Nov 18, 2010 |
| Prior Transfer Doc | 0029651198 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 8, 2025 |
| Property Address | 3928 MESA RD, DESTIN, FL 32541-2061 |
| Document Number | 0003776809 |
| Map Reference | MB 15 PG 36 |
| Instrument Date | Oct 7, 2025 |
| Instrument | 3776809 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2025 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,290.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3928 MESA RD, DESTIN, FL 32541-2061 |
| Name | Verified Name |
|---|---|
| Address | 315 FAIRMOUNT ROAD, WASHINGTON TOWNSHIP, NJ 07676 |
| Document Number | 0003776810 |
|---|---|
| Date | Oct 8, 2025 |
| Instrument | 3776810 |
| Name | NFM LENDING |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Number | 0003776811 |
|---|---|
| Date | Oct 8, 2025 |
| Instrument | 3776811 |
| Name | NFM LENDING |
|---|---|
| Type | Mortgage Company |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 6, 2025 |
| Property Address | 3928 MESA RD, DESTIN, FL 32541-2061 |
| Document Number | 0003776191 |
| Map Reference | MB 15 PG 36 |
| Instrument Date | Sep 17, 2025 |
| Instrument | 3776191 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2101 BONICA XING, CUMMING, GA 30040-5989 |
| Name | Verified Name |
|---|---|
| Address | 3928 MESA RD, DESTIN, FL 32541-2061 |
The 2025 property tax bill for 3928 Mesa Rd was $2,072, up 3.3% from the year before.
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 | $2,072.00 (+3.29%) | $214,052 (+2.9%) | $414,643 (+1.49%) Land $112,307 Building $302,336 |
| 2024 | $2,006.00 (+2.77%) Homeowner's exemption | $208,019 (+3%) | $408,570 (+1.35%) Land $109,036 Building $299,534 |
| 2023 | $1,952.00 (+2.79%) Homeowner's exemption | $201,960 (+3%) | $403,129 (+7.39%) Land $101,902 Building $301,227 |
| 2022 | $1,899.00 Homeowner's exemption | $196,078 | $375,371 Land $92,639 Building $282,732 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 3928 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 |
|
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 risk around 3928 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.
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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