Okaloosa County property record for 403 Carter Ln, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,036 sqft · built 2020 |
| Lot Size | 0.375 acres (16,351 sqft) |
| Owner | Individual Name on File |
| Last Sale | $697,401 (Oct 2020) |
| Tax Bill | $6,490 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-001-123-5368-5 |
| Primary APN | C56-001-123-5368-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,036 sqft Heated Area |
| Gross Area | 3,916 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood |
| Lot Area | 16,351 sqft (0.375 acres) |
| Lot Width | 180 ft Width |
| Garage Type | Finished |
| Garage Area | 543 sqft |
| Porch | Open Porch |
| Porch Area | 337 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 403 CARTER LN |
|---|---|
| City | DESTIN |
| State | FL |
| Zip | 32541-1560 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BOOTYVILLE ESTATES LOT 2 |
| Legal Range | 22 |
| Legal Subdivision | BOOTYVILLE ESTATES |
| Legal Lot Number | 2 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 23306 |
403 Carter Ln is owned and occupied by an individual who bought it in October 2020.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 403 CARTER LN, DESTIN, FL 32541-1560 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 26, 2020 · Amount on File |
| Deed Sale | Oct 26, 2020 · Amount on File |
| Deed Document Number | 3401984 |
| Deed Book / Page | 3501 / 564 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 403 Carter Ln was $6,490 with exemptions applied.
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Destin City |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,490.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $592,049 | $714,149 Land $142,677 Building $571,472 |
| 2023 | $6,153.00 (+2.35%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $558,605 (+3%) | $706,260 (+6.83%) Land $129,459 Building $576,801 |
| 2022 | $6,012.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $542,335 | $661,082 Land $117,690 Building $543,392 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 Carter Ln 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 96 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 96 in force |
| Nearby Flood Claims | 73 (1994–2020) |
| Claims Outside the SFHA | 47 of 73 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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 risk around 403 Carter Ln 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 99.8% of the US · lower than 99.7% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 244 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 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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