Okaloosa County property record for 3952 Indian Trl, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,976 sqft · built 2018 |
| Lot Size | 0.412 acres (17,989 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $655,000 (Mar 2019) |
| Tax Bill | $7,183 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Jun 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-8590-4 |
| Primary APN | C56-000-589-8590-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 2,976 sqft Heated Area |
| Gross Area | 4,207 sqft |
| 1st Floor Area | 2,976 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 17,989 sqft (0.412 acres) |
| Garage Type | Finished |
| Garage Area | 696 sqft |
| Porch | Open Porch |
| Porch Area | 535 sqft |
| Patio Area | 310 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3952 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 2 BLK B |
| Legal Range | 22 |
| Legal Township | 02S |
| Legal Subdivision | INDIAN TRAIL S/D PH |
| Legal Phase | 2 |
| Legal Block | B |
| Legal Lot Number | 2 |
| 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 | 3952 INDIAN TRL, DESTIN, FL 32541-4333 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2022 | Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jun 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Mar 8, 2019 | Warranty Deed, Transfer NAVY FCU |
| Feb 24, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 8, 2019 · Amount on Record |
| Deed Sale | Mar 8, 2019 · Amount on Record |
| Prior Sale | Feb 24, 2017 · Amount on Record |
| Deed Document Number | 3263410 |
| Deed Book / Page | 3388 / 1570 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3952 INDIAN TRL, DESTIN, FL 32541-4333 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3952 INDIAN TRL, DESTIN, FL 32541-4333 |
| Document Number | 0036093066 |
|---|---|
| Date | Mar 11, 2022 |
| Book Page | 3609/3066 |
| Instrument | 3533620 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3952 INDIAN TRL, DESTIN, FL 32541-4333 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3952 INDIAN TRL, DESTIN, FL 32541-4333 |
| Document Number | 0035504979 |
|---|---|
| Date | Jun 3, 2021 |
| Book Page | 3550/4979 |
| Instrument | 3460527 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 8, 2019 |
| Property Address | 3952 INDIAN TRL, DESTIN, FL 32541-4333 |
| Document Number | 0033881570 |
| Book / Page | 003388 / 001570 |
| Instrument Date | Mar 4, 2019 |
| Instrument | 3263410 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,585.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3952 INDIAN TRL DESTIN FL 325414333, DESTIN, FL 32541-4333 |
| Document Number | 33881574 |
|---|---|
| Date | Mar 8, 2019 |
| Book Page | 003388/001574 |
| Instrument | 3263412 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 7, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 24, 2017 |
| Property Address | 3952 INDIAN TRL, DESTIN, FL 32541-4333 |
| Document Number | 0032883453 |
| Book / Page | 003288 / 003453 |
| Instrument Date | Feb 24, 2017 |
| Instrument | 3119611 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,005.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4073 INDIAN TRL DESTIN FL 325414325, DESTIN, FL 32541-4325 |
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 | $7,183.00 (+5.45%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $650,561 (+5.99%) | $856,926 (+1.65%) Land $255,065 Building $601,861 |
| 2023 | $6,812.00 (+2.31%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $613,812 (+3%) | $842,991 (+7%) Land $231,435 Building $611,556 |
| 2022 | $6,658.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $595,934 | $787,818 Land $210,396 Building $577,422 |
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 |
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