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3998 Indian Trl, Destin, FL 32541 Property Records

Okaloosa County property record for 3998 Indian Trl, Destin, FL 32541

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,778 sqft · built 2016
Lot Size0.459 acres (19,988 sqft)
Owner2 Individual Names on Record
Last Sale$639,800 (Jun 2016)
Tax Bill$7,338 (2025)
Deeds & MortgagesJan 2026 Transfer
Jun 2023 Transfer
Flood ZoneZone X (minimal risk)
APNC56-000-589-8567-2

Property Details

APN / Parcel Number

Primary APNC56-000-589-8567-2
Alternative APNs
  • 00-2S-22-1270-000A-0100
  • 22S2001270000A0100

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,778 sqft Living Area
Gross Area4,179 sqft
1st Floor Area2,778 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Exterior MaterialBrick
Roof TypeCathedral/Clerestory
Roof MaterialWood
Lot Area19,988 sqft (0.459 acres)
Garage TypeAttached
Garage Area900 sqft
PorchFinished/Open Porch
Porch Area181 sqft
Patio Area320 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3998 INDIAN TRL
CityDESTIN
StateFL
Zip32541-4318
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionINDIAN TRAIL S/D LOT 10 BLK A
Legal SubdivisionINDIAN TRAIL S/D
Legal BlockA
Legal Lot Number10
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group1
Census Block1013
Census Tract23305

Owner

Source: Okaloosa County records, as of March 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address622 HARBOR BLVD, 350, DESTIN, FL 32541-2426
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Jan 15, 2026Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Jun 29, 2023Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 23, 2016 · Amount on Record
Deed SaleJun 23, 2016 · Amount on Record
Prior SaleOct 15, 2015 · Amount on Record
Deed Document Number20163073714
Deed Book / Page3253 / 4900
Last Transfer DateJun 2, 2023
Transfer Doc0036813344
Record UpdatedJun 8, 2026

January 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOKALOOSA FL
Recording DateJan 15, 2026
Property Address3998 INDIAN TRL, DESTIN, FL 32541-4318
Document Number0003793518
Map ReferenceMB 15 PG 8
Instrument DateJan 13, 2026
Instrument3793518
Transaction TypeTransfer
Record UpdatedFeb 3, 2026
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address622 HARBOR BLVD # 350, 350, DESTIN, FL 32541-2426

Transferred To (Grantee/Buyer)

NameVerified Name
Address3998 INDIAN TRL, DESTIN, FL 32541-4318

June 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOKALOOSA FL
Recording DateJun 29, 2023
Property Address3998 INDIAN TRL, DESTIN, FL 32541-4318
Document Number0036813344
Book / Page3681 / 3344
Map ReferenceMB 15 PG 8
Instrument DateJun 2, 2023
Instrument3632823
Transaction TypeTransfer
Record UpdatedJul 27, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3998 INDIAN TRL, DESTIN, FL 32541-4318

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address3998 INDIAN TRL, DESTIN, FL 32541-4318

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
MunicipalityDestin City
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$7,338.00 (+5.39%) Homeowner's exemption$658,687 (+5.99%)$1,087,406 (+3.66%) Land $255,065 Building $832,341
2023$6,963.00 (+2.28%) Homeowner's exemption$621,479 (+3%)$1,049,027 (+17.66%) Land $231,435 Building $817,592
2022$6,808.00 Homeowner's exemption$603,378$891,604 Land $210,396 Building $681,208

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 156 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies258 units insured
incl. 102 condo units
Nearby Flood Claims65 (1991–2021)
Claims Outside the SFHA43 of 65
Most Recent ClaimJun 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 RiskLow
lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood0.04% annual chance
ExposureNone
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 SystemDESTIN WATER USERS, INC.
private · serves 31,752 people · EPA ID FL1460202
Water SourceGroundwater
Last State InspectionJan 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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