4117 Burning Tree Dr, Destin, FL 32541 Property Records

Okaloosa County property record for 4117 Burning Tree Dr, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,164 sqft · built 1998
Lot Size	0.418 acres (18,236 sqft)
Owner	Individual Name on File
Last Sale	$452,000 (Nov 2017)
Tax Bill	$7,095 (2025)
Deeds & Mortgages	Nov 2022 Construction Loan Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-590-3439-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-590-3439-7`
Alternative APN	`00-2S-22-266A-0000-0160`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,164 sqft Heated Area
Gross Area	2,828 sqft
1st Floor Area	2,164 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	18,236 sqft (0.418 acres)
Garage Type	Finished
Garage Area	441 sqft
Porch	Open Porch
Porch Area	223 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4117 BURNING TREE DR
City	DESTIN
State	FL
Zip	32541-4310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDSOR FOREST LOT 16
Legal Range	22
Legal Township	02S
Legal Subdivision	WINDSOR FOREST
Legal Lot Number	16
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1002
Census Tract	23305

Owner

4117 Burning Tree Dr is owned and occupied by an individual who bought it in November 2017.

Source: Okaloosa County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	4117 BURNING TREE DR, DESTIN, FL 32541-4310
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
Nov 9, 2022	Deed of Trust, Mortgage · Construction Mortgage WHITNEY BANK
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage ASPIRE BANK
Nov 15, 2017	Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2017 · Amount on File
Deed Sale	Nov 15, 2017 · Amount on File
Prior Sale	Jun 23, 2015 · Amount on File
Deed Document Number	3172503
Deed Book / Page	3326 / 0620
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4117 BURNING TREE DR, DESTIN, FL 32541-4310
Transaction Type	Mortgage
Record Updated	Dec 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4117 BURNING TREE DR, DESTIN, FL 32541-4310

Mortgage

Document Number	0036504224
Date	Nov 9, 2022
Book Page	3650/4224
Instrument	3590240

Lender

Name	WHITNEY BANK
Type	Bank
Address	GULFPORT, MS 39501

Agreement

Type	Construction Mortgage
Amount	Amount on Record

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4117 BURNING TREE DR, DESTIN, FL 32541-4310
Transaction Type	Mortgage
Record Updated	Sep 29, 2021
Title Company	INDEPENDENCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4117 BURNING TREE DR, DESTIN, FL 32541-4310

Mortgage

Document Number	0035744476
Date	Sep 20, 2021
Book Page	3574/4476
Instrument	3489808

Lender

Name	ASPIRE BANK
Type	Funding / Finance Company
Address	DALLAS, TX 75244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 15, 2017
Property Address	4117 BURNING TREE DR, DESTIN, FL 32541-4310
Document Number	0033260620
Book / Page	3326 / 0620
Map Reference	MB13 PG61&62
Instrument Date	Nov 7, 2017
Instrument	3172503
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,164.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2016 W HEWETT RD, SANTA ROSA BEACH, FL 32459-3320

Mortgage

Document Number	0003172504
Date	Nov 15, 2017
Instrument	3172504

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4117 Burning Tree Dr was $7,095 with a homeowner's exemption.

Source: Okaloosa County assessment roll, as of July 1, 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	$7,095.00 Homeowner's exemption	$638,114 Land $148,703 Building $489,411	$638,114 Land $148,703 Building $489,411
2023	$7,241.00 (+7.29%)	$635,006 (+6.49%) Land $128,793 Building $506,213	$635,006 (+6.49%) Land $128,793 Building $506,213
2022	$6,749.00	$596,284 Land $117,085 Building $479,199	$596,284 Land $117,085 Building $479,199

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

Flood

FEMA maps place 4117 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 4117 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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