4108 Drifting Sand Trl, Destin, FL 32541 Property Records

Okaloosa County property record for 4108 Drifting Sand Trl, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,082 sqft · built 2002
Lot Size	0.279 acres (12,140 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Apr 2018)
Tax Bill	$4,361 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Jan 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-4984-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-4984-1`
Alternative APNs	`00-2S-22-4518-0000-0520` `22S200451800000520`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,082 sqft Living Area
Gross Area	3,136 sqft
1st Floor Area	2,082 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	12,140 sqft (0.279 acres)
Garage Type	Attached
Garage Area	814 sqft
Porch	Finished/Open Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4108 DRIFTING SAND TRL
City	DESTIN
State	FL
Zip	32541-3362
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN LAKE PH I LOT 52
Legal Subdivision	INDIAN LAKE PH I
Legal Phase	1
Legal Lot Number	52
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	2
Census Block	2000
Census Tract	23304

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	4108 DRIFTING SAND TRL, DESTIN, FL 32541-3362
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Jan 13, 2021	Intrafamily Transfer, Transfer ATTORNEY
Apr 20, 2018	Grant Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2018 · Amount on Record
Deed Sale	Apr 20, 2018 · Amount on Record
Prior Sale	Apr 19, 2011 · Amount on Record
Deed Document Number	20183202015
Deed Book / Page	3346 / 3279
Last Transfer Date	Nov 3, 2020
Transfer Doc	0035180920
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4108 DRIFTING SAND TRL, DESTIN, FL 32541-3362
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033780886
Date	Dec 12, 2018
Book Page	3378/0886
Instrument	3248205

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Jan 13, 2021
Property Address	4108 DRIFTING SAND TRL, DESTIN, FL 32541-3362
Document Number	0035180920
Book / Page	3518 / 920
Map Reference	MB 15 PG 89
Instrument Date	Nov 3, 2020
Instrument	3421641
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4108 DRIFTING SAND TRL, DESTIN, FL 32541-3362

April 2018: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 20, 2018
Property Address	4108 DRIFTING SAND TRL, DESTIN, FL 32541-3362
Document Number	0033463279
Book / Page	003346 / 003279
Instrument Date	Apr 18, 2018
Instrument	3202015
Transaction Type	Foreclosure
Record Updated	May 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,940.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4108 DRIFTING SAND TRL DESTIN FL 325413362, DESTIN, FL 32541-3362

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,361.00 (+5.31%) Homeowner's exemption	$452,263 (+5.99%)	$646,352 (+7.85%) Land $160,519 Building $485,833
2023	$4,141.00 (+2.25%) Homeowner's exemption	$426,716 (+3%)	$599,297 (+20.78%) Land $139,028 Building $460,269
2022	$4,050.00 Homeowner's exemption	$414,287	$496,191 Land $120,370 Building $375,821

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 43 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	576 units insured incl. 533 condo units
Nearby Flood Claims	106 (1978–2020)
Claims Outside the SFHA	69 of 106
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Dennis, Jul 2005 · 12 claims Hurricane Frances, Sep 2004 · 21 claims Hurricane Opal, Oct 1995 · 42 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	Direct burnable vegetation

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 284 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: CenturyLink.

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