3970 Indian Trl, Destin, FL 32541 Property Records

Okaloosa County property record for 3970 Indian Trl, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,329 sqft · built 1998
Lot Size	0.459 acres (19,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$635,000 (Feb 2020)
Tax Bill	$7,648 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-8573-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-8573-0`
Alternative APNs	`00-2S-22-1270-000B-0050` `22S2001270000B0050`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,329 sqft Living Area
Gross Area	4,508 sqft
1st Floor Area	3,329 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	Cathedral/Clerestory
Roof Material	Wood
Lot Area	19,988 sqft (0.459 acres)
Garage Type	Attached
Garage Area	528 sqft
Driveway	Driveway
Porch	Florida Room
Porch Area	365 sqft
Patio Area	286 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3970 INDIAN TRL
City	DESTIN
State	FL
Zip	32541-4333
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN TRAIL S/D LOT 5 BLK B
Legal Subdivision	INDIAN TRAIL S/D
Legal Block	B
Legal Lot Number	5
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1002
Census Tract	23305

Owner

Source: Okaloosa County records, as of August 27, 2026

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	3970 INDIAN TRL, DESTIN, FL 32541-4333
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2020 · Amount on Record
Deed Sale	Feb 10, 2020 · Amount on Record
Prior Sale	Jul 3, 2012 · Amount on Record
Deed Document Number	20203336185
Deed Book / Page	3443 / 1047
Record Updated	Oct 29, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 10, 2020
Property Address	3970 INDIAN TRL, DESTIN, FL 32541-4333
Document Number	0034431047
Book / Page	003443 / 001047
Instrument Date	Feb 6, 2020
Instrument	3336185
Transaction Type	Transfer
Record Updated	Mar 4, 2020
Title Company	MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,445.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	733 HARBOR BLVD DESTIN FL 325412505, DESTIN, FL 32541-2505

Mortgage

Document Number	34431048
Date	Feb 10, 2020
Book Page	003443/001048
Instrument	3336186

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2050

Tax Assessment & Valuation

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	$7,648.00 (+5.37%) Homeowner's exemption	$684,803 (+5.99%)	$821,031 (+1.63%) Land $255,065 Building $565,966
2023	$7,258.00 (+2.28%) Homeowner's exemption	$646,119 (+3%)	$807,880 (+8.35%) Land $231,435 Building $576,445
2022	$7,096.00 Homeowner's exemption	$627,300	$745,604 Land $210,396 Building $535,208

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

Flood

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	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

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.

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