4303 Carriage Ln, Destin, FL 32541 Property Records

Okaloosa County property record for 4303 Carriage Ln, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,531 sqft · built 2025
Lot Size	0.234 acres (10,234 sqft)
Owner	Individual Name on File
Last Sale	$1,624,200 (Jan 2026)
Tax Bill	$3,128 (2025)
Deeds & Mortgages	Jan 2026 Sale Jan 2024 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-4891-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4891-0`
Alternative APN	`00-2S-22-0322-0000-0220`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Building Area	3,531 sqft Heated Area
Gross Area	5,667 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2025
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	10,234 sqft (0.234 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4303 CARRIAGE LN
City	DESTIN
State	FL
Zip	32541-3451
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARRIAGE PLACE S/D LOT 22
Legal Range	22
Legal Township	02S
Legal Subdivision	CARRIAGE PLACE S/D
Legal Lot Number	22
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1002
Census Tract	23304

Owner

4303 Carriage Ln is owned by an individual who bought it in January 2026.

Source: Okaloosa County records, as of February 9, 2026

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2018 RAMBLING OAKS DR, CANTONMENT, FL 32533-6330
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jan 12, 2024	Deed of Trust, Mortgage · Construction Mortgage TRUSTMARK NATIONAL BANK
Dec 19, 2022	Warranty Deed, Transfer · Line of Credit TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2026 · Amount on File
Deed Sale	Jan 20, 2026 · Amount on File
Prior Sale	Dec 19, 2022 · Amount on File
Deed Document Number	3794148
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 20, 2026
Property Address	4303 CARRIAGE LN, DESTIN, FL 32541-3451
Document Number	0003794148
Map Reference	MB 17 PG 83
Instrument Date	Jan 14, 2026
Instrument	3794148
Transaction Type	Transfer
Record Updated	Feb 10, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$11,369.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 5, DESTIN, FL 32540-0005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2018 RAMBLING OAKS DR, CANTONMENT, FL 32533-6330

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4303 CARRIAGE LN, DESTIN, FL 32541-3451
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 SAND MYRTLE TRL, DESTIN, FL 32541-3428

Mortgage

Document Number	0003666002
Date	Jan 12, 2024
Instrument	3666002

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	SANTA ROSA BEACH, FL 32459

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 19, 2022
Property Address	4303 CARRIAGE LN, DESTIN, FL 32541-3451
Document Number	0036551625
Book / Page	3655 / 1625
Map Reference	MB 17 PG 83
Instrument Date	Dec 16, 2022
Instrument	3596662
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 584, DESTIN, FL 32540-0584

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5, DESTIN, FL 32540-0005

Mortgage

Document Number	0036551626
Date	Dec 19, 2022
Instrument	3655/1626

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4303 Carriage Ln was $3,128.

Source: Okaloosa County assessment roll, as of July 1, 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	$3,128.00	$297,489 Land $297,489	$297,489 Land $297,489
2023	$2,785.00 (+26.88%)	$262,066 (+15.5%) Land $262,066	$262,066 (+15.5%) Land $262,066
2022	$2,195.00	$226,897 Land $226,897	$226,897 Land $226,897

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4303 Carriage Ln in Zone X, an area of minimal flood risk, though there have been 124 flood claims nearby since 1988.

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 File median of 117 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	460 units insured incl. 343 condo units
Nearby Flood Claims	124 (1988–2020)
Claims Outside the SFHA	83 of 124
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 18 claims Hurricane Frances, Sep 2004 · 23 claims Hurricane Opal, Oct 1995 · 37 claims

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	P32 “Moreno Point”
Unit Type	System Unit
Designated	Oct 18, 1982
NFIP Eligibility	Not eligible (built 2025) built after the Oct 1, 1983 cutoff · private flood insurance only

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 4303 Carriage Ln is low, with 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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	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 78 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 · Fiber in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, T-Mobile.

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