4110 Burning Tree Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 4110 Burning Tree Dr, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,283 sqft · built 1997
Lot Size	0.245 acres (10,662 sqft)
Owner	2 Individual Names on File
Last Sale	$391,000 (Apr 2015)
Deeds & Mortgages	Aug 2022 Line of Credit Dec 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-3443-9`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-3443-9`
Alternative APNs	`00-2S-22-266A-0000-0200` `22S200266A00000200`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,283 sqft Living Area
Gross Area	3,213 sqft
1st Floor Area	2,283 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	10,662 sqft (0.245 acres)
Garage Type	Attached
Garage Area	528 sqft
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	402 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4110 BURNING TREE DR
City	DESTIN
State	FL
Zip	32541-4315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDSOR FOREST LOT 20
Legal Subdivision	WINDSOR FOREST
Legal Lot Number	20
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1002
Census Tract	23305

Owner

4110 Burning Tree Dr is owned and occupied by two individuals who bought it in April 2015.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4110 BURNING TREE DR, DESTIN, FL 32541-4315
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2022	Deed of Trust, Mortgage · Line of Credit SYNOVUS BANK
Dec 28, 2018	Deed of Trust, Mortgage · VA Mortgage SYNOVUS MORTGAGE CORP
Jan 12, 2021	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Dec 31, 2019	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Sep 25, 2017	Deed of Trust, Mortgage · VA Mortgage PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2015 · Amount on File
Deed Sale	Apr 21, 2015 · Amount on File
Prior Sale	Mar 14, 2001 · Amount on File
Deed Document Number	20152991506
Deed Book / Page	3193 / 4587
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4110 BURNING TREE DR, DESTIN, FL 32541-4315
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4110 BURNING TREE DR, DESTIN, FL 32541-4315

Mortgage

Document Number	0036352731
Date	Aug 1, 2022
Book Page	3635/2731
Instrument	3568496

Lender

Name	SYNOVUS BANK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4110 BURNING TREE DR, DESTIN, FL 32541-4315
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033794066
Date	Dec 28, 2018
Book Page	3379/4066
Instrument	3250721

Lender

Name	SYNOVUS MORTGAGE CORP
Type	Mortgage Company
Address	BIRMINGHAM, AL 35209

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4110 BURNING TREE DR, DESTIN, FL 32541-4315
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4110 BURNING TREE DR, DESTIN, FL 32541-4315

Mortgage

Document Number	0035180119
Date	Jan 12, 2021
Book Page	3518/119
Instrument	3421427

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4110 BURNING TREE DR, DESTIN, FL 32541-4315
Document Number	0034372555
Instrument Date	Dec 31, 2019
Transaction Type	Mortgage
Record Updated	Feb 5, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4110 BURNING TREE DR DESTIN FL 325414315, DESTIN, FL 32541-4315

Mortgage

Document Number	0034372555
Date	Jan 9, 2020
Book Page	003437/002555
Instrument	3328963

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 8, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4110 BURNING TREE DR, DESTIN, FL 32541-4315
Document Number	0033200001
Instrument Date	Sep 25, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4110 BURNING TREE DR DESTIN FL 325414315, DESTIN, FL 32541-4315

Mortgage

Document Number	0033200001
Date	Oct 3, 2017
Book Page	003320/000001
Instrument	3163454

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	SALT LAKE CITY, UT 84116

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2047

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	Homeowner's exemption Veteran's exemption	$343,584	$512,939 Land $121,666 Building $391,273
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$324,176	$503,081 Land $110,394 Building $392,687

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4110 Burning Tree Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, 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

Wildfire risk around 4110 Burning Tree Dr is low, with less than a 0.01% annual chance of 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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