3990 Indian Trl, Destin, FL 32541 Property Records

Okaloosa County property record for 3990 Indian Trl, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 4,596 sqft · built 2007
Lot Size	0.459 acres (19,988 sqft)
Owner	2 Individual Names on File
Last Sale	$1,259,000 (Jun 2023)
Tax Bill	$12,959 (2025)
Deeds & Mortgages	Jun 2023 Sale Jan 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-8569-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-8569-8`
Alternative APNs	`00-2S-22-1270-000A-0120` `22S2001270000A0120`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,596 sqft Living Area
Gross Area	5,752 sqft
1st Floor Area	3,062 sqft
Upper Floors Area	1,534 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	19,988 sqft (0.459 acres)
Garage Type	Detached
Garage Area	132 sqft
Porch	Finished/Open Porch
Porch Area	1,024 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3990 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 12 BLK A
Legal Subdivision	INDIAN TRAIL S/D
Legal Block	A
Legal Lot Number	12
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1013
Census Tract	23305

Owner

Source: Okaloosa County records, as of January 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3990 INDIAN TRL, DESTIN, FL 32541-4318
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jan 18, 2018	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
Feb 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Aug 6, 2020	Deed of Trust, Mortgage · Line of Credit BBVA USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2023 · Amount on File
Deed Sale	Jun 9, 2023 · Amount on File
Prior Sale	Sep 25, 2009 · Amount on File
Deed Document Number	20233628890
Deed Book / Page	3678 / 4440
Prior Transfer Date	Jun 6, 2008
Prior Transfer Doc	0028452365
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 9, 2023
Property Address	3990 INDIAN TRL, DESTIN, FL 32541-4318
Document Number	0036784440
Book / Page	3678 / 4440
Map Reference	MB 15 PG 8
Instrument Date	Jun 8, 2023
Instrument	3628890
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$8,813.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1306 ANGELICA PL, NICEVILLE, FL 32578-3430

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3245 MAIN ST STE 235, 235, FRISCO, TX 75034-4412

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	3990 INDIAN TRL, DESTIN, FL 32541-4318
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033333474
Date	Jan 18, 2018
Book Page	3333/3474
Instrument	3183131

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	179 Months
Due	Dec 22, 2032

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	3990 INDIAN TRL, DESTIN, FL 32541-4318
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033353913
Date	Feb 1, 2018
Book Page	3335/3913
Instrument	3186366

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	3990 INDIAN TRL, DESTIN, FL 32541-4318
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3990 INDIAN TRL, DESTIN, FL 32541-4318

Mortgage

Document Number	0034813456
Date	Aug 6, 2020
Book Page	3481/3456
Instrument	3379973

Lender

Name	BBVA USA
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jul 24, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$12,959.00 (+64.35%)	$1,094,227 (+56.62%) Land $255,065 Building $839,162	$1,094,227 (-10.06%) Land $255,065 Building $839,162
2023	$7,885.00 (+2.27%) Homeowner's exemption	$698,641 (+3%)	$1,216,653 (+4.33%) Land $231,435 Building $985,218
2022	$7,710.00 Homeowner's exemption	$678,291	$1,166,200 Land $210,396 Building $955,804

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
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	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	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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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