4098 Burning Tree Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 4098 Burning Tree Dr, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,002 sqft · built 1994
Lot Size	0.22 acres (9,598 sqft)
Owner	2 Individual Names on Record
Last Sale	$659,000 (Nov 2023)
Tax Bill	$4,150 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-3449-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-3449-6`
Alternative APNs	`00-2S-22-266A-0000-0260` `22S200266A00000260`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,002 sqft Living Area
Gross Area	2,705 sqft
1st Floor Area	2,002 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	9,598 sqft (0.22 acres)
Garage Type	Attached
Garage Area	399 sqft
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	18 sqft
Patio Area	286 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4098 BURNING TREE DR
City	DESTIN
State	FL
Zip	32541-4313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDSOR FOREST LOT 26
Legal Subdivision	WINDSOR FOREST
Legal Lot Number	26
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 March 12, 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	361 PONDEROSA DR, JACKSONVILLE, FL 32218-0319
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY BANK
Nov 30, 2023	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY BANK
Jun 5, 2018	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2023 · Amount on Record
Deed Sale	Nov 30, 2023 · Amount on Record
Prior Sale	Jun 5, 2007 · Amount on Record
Deed Document Number	20233659848
Prior Transfer Date	Aug 22, 2014
Prior Transfer Doc	0031622357
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4098 BURNING TREE DR, DESTIN, FL 32541-4313
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4098 BURNING TREE DR, DESTIN, FL 32541-4313

Mortgage

Document Number	0003801140
Date	Feb 26, 2026
Instrument	3801140

Lender

Name	UNIVERSITY BANK
Type	Bank
Address	ANN ARBOR, MI 48104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2041

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 30, 2023
Property Address	4098 BURNING TREE DR, DESTIN, FL 32541-4313
Document Number	0003659848
Map Reference	MB 13 PG 61&62
Instrument Date	Nov 30, 2023
Instrument	3659848
Transaction Type	Transfer
Record Updated	Jan 12, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,613.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4098 BURNING TREE DR, DESTIN, FL 32541-4313

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	361 PONDEROSA DR, JACKSONVILLE, FL 32218-0319

Mortgage

Document Number	0003659849
Date	Nov 30, 2023
Instrument	3659849

Lender

Name	UNIVERSITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4098 BURNING TREE DR, DESTIN, FL 32541-4313
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033530851
Date	Jun 5, 2018
Book Page	3353/0851
Instrument	3211392

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 24, 2048

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	$4,150.00 (+69.46%)	$389,499 (+59.89%)	$457,766 (+1.03%) Land $121,666 Building $336,100
2023	$2,449.00 (+2.6%) Homeowner's exemption	$243,598 (+3%)	$453,077 (+6.95%) Land $110,394 Building $342,683
2022	$2,387.00 Homeowner's exemption	$236,503	$423,640 Land $100,358 Building $323,282

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% 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 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Cable	2,000 / 35

May also be available: LiveOak Fiber.

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