Okaloosa County property record for 3986 Indian Trl, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,454 sqft · built 2017 |
| Lot Size | 0.483 acres (21,055 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $183,500 (May 2016) |
| Tax Bill | $9,896 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Feb 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-8570-6 |
| Primary APN | C56-000-589-8570-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,454 sqft Living Area |
| Gross Area | 5,592 sqft |
| 1st Floor Area | 3,414 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 21,055 sqft (0.483 acres) |
| Garage Type | Attached |
| Garage Area | 1,144 sqft |
| Porch | Florida Room |
| Porch Area | 834 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3986 INDIAN TRL |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-4318 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INDIAN TRAIL S/D LOT 13 BLK A |
| Legal Subdivision | INDIAN TRAIL S/D |
| Legal Block | A |
| Legal Lot Number | 13 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1013 |
| 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 | 3986 INDIAN TRL, DESTIN, FL 32541-4318 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Feb 2, 2018 | Deed of Trust, Mortgage PRIME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 24, 2016 · Amount on Record |
| Deed Sale | May 24, 2016 · Amount on Record |
| Prior Sale | Mar 24, 2015 · Amount on Record |
| Deed Document Number | 20163067686 |
| Deed Book / Page | 3249 / 2375 |
| Prior Transfer Date | Apr 22, 2005 |
| Prior Transfer Doc | 0026154094 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3986 INDIAN TRL, DESTIN, FL 32541-4318 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0035572463 |
|---|---|
| Date | Jul 1, 2021 |
| Book Page | 3557/2463 |
| Instrument | 3468331 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 3986 INDIAN TRL, DESTIN, FL 32541-4318 |
| Document Number | 0033364684 |
| Book / Page | 003336 / 004684 |
| Instrument Date | Feb 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2018 |
| Title Company | MCNEESE TITLE LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3986 INDIAN TRL DESTIN FL 325414318, DESTIN, FL 32541-4318 |
| Document Number | 0033364684 |
|---|---|
| Date | Feb 9, 2018 |
| Book Page | 003336/004684 |
| Instrument | 3187876 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 8, 2048 |
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 | $9,896.00 (+5.3%) Homeowner's exemption | $874,656 (+5.99%) | $1,217,947 (+0.35%) Land $255,065 Building $962,882 |
| 2023 | $9,398.00 (+2.24%) Homeowner's exemption | $825,249 (+3%) | $1,213,647 (+8.21%) Land $231,435 Building $982,212 |
| 2022 | $9,192.00 Homeowner's exemption | $801,213 | $1,121,577 Land $210,396 Building $911,181 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| 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 | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 52 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 35 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures