4116 Burning Tree Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 4116 Burning Tree Dr, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,830 sqft · built 1996
Lot Size	0.283 acres (12,346 sqft)
Owner	2 Individual Names on Record
Last Sale	$695,000 (May 2021)
Tax Bill	$7,564 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-3441-3`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-3441-3`
Alternative APNs	`00-2S-22-266A-0000-0180` `22S200266A00000180`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,830 sqft Living Area
Gross Area	3,563 sqft
1st Floor Area	2,830 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	12,346 sqft (0.283 acres)
Garage Type	Attached
Garage Area	575 sqft
Driveway	Driveway
Porch	Finished/Open Porch
Porch Area	158 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4116 BURNING TREE DR
City	DESTIN
State	FL
Zip	32541-4315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDSOR FOREST LOT 18
Legal Subdivision	WINDSOR FOREST
Legal Lot Number	18
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 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	4116 BURNING TREE DR, DESTIN, FL 32541-4315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Warranty Deed, Transfer · Conventional Mortgage KELLER MORTGAGE LLC
Apr 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage STRONG HOME MORTGAGE LLC
Mar 21, 2017	Warranty Deed, Transfer · Conventional with PMI BANCORPSOUTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2021 · Amount on Record
Deed Sale	May 6, 2021 · Amount on Record
Prior Sale	Mar 21, 2017 · Amount on Record
Deed Document Number	20213452995
Deed Book / Page	3544 / 4510
Prior Transfer Date	Aug 9, 2000
Prior Transfer Doc	0001788621
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 6, 2021
Property Address	4116 BURNING TREE DR, DESTIN, FL 32541-4315
Document Number	0035444510
Book / Page	3544 / 4510
Map Reference	MB 13 PG 61
Instrument Date	May 5, 2021
Instrument	3452995
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,865.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3551 SCENIC HIGHWAY 984, 3551, DESTIN, FL 32541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4116 BURNING TREE DR, DESTIN, FL 32541-4315

Mortgage

Document Number	35444512
Date	May 6, 2021
Instrument	3544/4512

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4116 BURNING TREE DR, DESTIN, FL 32541-4315
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034544477
Date	Apr 8, 2020
Book Page	3454/4477
Instrument	3350380

Lender

Name	STRONG HOME MORTGAGE LLC
Type	Mortgage Company
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2035

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 21, 2017
Property Address	4116 BURNING TREE DR, DESTIN, FL 32541-4315
Document Number	0032914998
Book / Page	003291 / 004998
Instrument Date	Mar 17, 2017
Instrument	3124319
Transaction Type	Transfer
Record Updated	Apr 18, 2017
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,220.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4116 BURNING TREE DR DESTIN FL 325414315, DESTIN, FL 32541-4315

Mortgage

Document Number	32920001
Date	Mar 21, 2017
Book Page	003292/000001
Instrument	3124320

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-3356

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 20, 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	$7,564.00 (-0.18%)	$638,711 (+0.68%) Land $135,185 Building $503,526	$638,711 (+0.68%) Land $135,185 Building $503,526
2023	$7,578.00 (+8.1%)	$634,399 (+9.05%) Land $122,660 Building $511,739	$634,399 (+9.05%) Land $122,660 Building $511,739
2022	$7,010.00	$581,762 Land $111,509 Building $470,253	$581,762 Land $111,509 Building $470,253

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 AE, within 500 ft
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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