Okaloosa County property record for 3948 Indian Trl, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,646 sqft · built 2004 |
| Lot Size | 0.459 acres (19,988 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $645,000 (Dec 2021) |
| Tax Bill | $7,720 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage May 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-8589-6 |
| Primary APN | C56-000-589-8589-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,646 sqft Living Area |
| Gross Area | 3,473 sqft |
| 1st Floor Area | 2,646 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 19,988 sqft (0.459 acres) |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Driveway | Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 167 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3948 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 1 BLK B |
| Legal Subdivision | INDIAN TRAIL S/D |
| Legal Phase | 2 |
| Legal Block | B |
| Legal Lot Number | 1 |
| 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 31, 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 | 3948 INDIAN TRL, DESTIN, FL 32541-4333 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK |
| May 16, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2021 · Amount on Record |
| Deed Sale | Dec 1, 2021 · Amount on Record |
| Prior Sale | May 22, 2012 · Amount on Record |
| Deed Document Number | 20213509443 |
| Deed Book / Page | 3590 / 2182 |
| Prior Transfer Date | Jun 4, 2018 |
| Prior Transfer Doc | 0033524721 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Dec 1, 2021 |
| Property Address | 3948 INDIAN TRL, DESTIN, FL 32541-4333 |
| Document Number | 0035902182 |
| Book / Page | 3590 / 2182 |
| Map Reference | MB 15 PG 81 |
| Instrument Date | Nov 30, 2021 |
| Instrument | 3509443 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2021 |
| Title Company | EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,515.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 111 LIGHTNING BUG LN, 111, FREEPORT, FL 32439-2369 |
| Name | Verified Name |
|---|---|
| Address | 3948 INDIAN TRL, DESTIN, FL 32541-4333 |
| Document Number | 0035902184 |
|---|---|
| Date | Dec 1, 2021 |
| Instrument | 3590/2184 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 16, 2018 |
| Property Address | 3948 INDIAN TRL, DESTIN, FL 32541-4333 |
| Document Number | 0033500972 |
| Book / Page | 003350 / 000972 |
| Instrument Date | May 9, 2018 |
| Instrument | 3207022 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 3948 INDIAN TRL DESTIN FL 325414333, DESTIN, FL 32541-4333 |
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 | $7,720.00 (+5.38%) Homeowner's exemption | $690,882 (+5.99%) | $723,276 (+2.26%) Land $255,065 Building $468,211 |
| 2023 | $7,326.00 (-5.69%) Homeowner's exemption | $651,855 (+1.12%) | $707,314 (+9.72%) Land $231,435 Building $475,879 |
| 2022 | $7,768.00 | $644,642 Land $210,396 Building $434,246 | $644,642 Land $210,396 Building $434,246 |
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 | None beyond ember reach |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures