4307 Carriage Ln, Destin, FL 32541 Property Records

Okaloosa County property record for 4307 Carriage Ln, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,401 sqft · built 1999
Lot Size	0.193 acres (8,419 sqft)
Owner	2 Company Names on Record
Last Sale	$995,000 (May 2025)
Tax Bill	$8,648 (2025)
Deeds & Mortgages	Jul 2022 Transfer Jun 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-4889-4`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4889-4`
Alternative APNs	`00-2S-22-0322-0000-0200` `22S200032200000200`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,401 sqft Living Area
Gross Area	3,165 sqft
1st Floor Area	2,401 sqft
Flooring	Wood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2015
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	8,419 sqft (0.193 acres)
Garage Type	Attached
Garage Area	484 sqft
Porch	Slab
Porch Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4307 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 20
Legal Subdivision	CARRIAGE PLACE S/D
Legal Block	1
Legal Lot Number	20
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1002
Census Tract	23304

Owner

Source: Okaloosa County records, as of August 31, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	8443 SAND POINT WAY, INDIANAPOLIS, IN 46240-2450
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2022	Correction Deed PRIORITY TITLE
Jun 30, 2022	Warranty Deed, Transfer PRIORITY TITLE
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Aug 1, 2018	Warranty Deed, Transfer ANGEL OAK HM LOANS
Aug 3, 2017	Warranty Deed, Transfer BLAKE MORAR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2025 · Amount on Record
Deed Sale	May 12, 2025 · Amount on Record
Prior Sale	Jun 30, 2022 · Amount on Record
Deed Document Number	20253753406
Prior Transfer Date	Jul 11, 2022
Prior Transfer Doc	0036321113
Record Updated	Oct 29, 2026

July 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 12, 2022
Property Address	4307 CARRIAGE LN, DESTIN, FL 32541-3451
Document Number	0036321113
Book / Page	3632 / 1113
Map Reference	MB 17 PG 83
Instrument Date	Jul 11, 2022
Instrument	3563665
Record Updated	Jun 7, 2023
Title Company	PRIORITY TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3159 PARKRIDGE CRES, 3159, ATLANTA, GA 30341-3107

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	4307 CARRIAGE LN, DESTIN, FL 32541-3451

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 30, 2022
Property Address	4307 CARRIAGE LN, DESTIN, FL 32541-3451
Document Number	0036301811
Book / Page	3630 / 1811
Map Reference	MB 17 PG 83
Instrument Date	Jun 30, 2022
Instrument	3561218
Transaction Type	Transfer
Record Updated	Jul 19, 2022
Title Company	PRIORITY TITLE

Transaction

Amount	Amount Recorded
Tax	$8,288.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3519 PARKRIDGE CRESCENT, 3519, ATLANTA, GA 30341

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	4307 CARRIAGE LN, DESTIN, FL 32541-3451

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4307 CARRIAGE LN, DESTIN, FL 32541-3451
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4307 CARRIAGE LN, DESTIN, FL 32541-3451

Mortgage

Document Number	0034904274
Date	Sep 9, 2020
Book Page	3490/4274
Instrument	3389835

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 1, 2018
Property Address	4307 CARRIAGE LN, DESTIN, FL 32541-3451
Document Number	0033613369
Book / Page	003361 / 003369
Instrument Date	Aug 1, 2018
Instrument	3223628
Transaction Type	Transfer
Record Updated	Aug 15, 2018
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,296.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4307 CARRIAGE LN DESTIN FL 325413451, DESTIN, FL 32541-3451

Mortgage

Document Number	33613371
Date	Aug 1, 2018
Book Page	003361/003371
Instrument	3223629

Lender

Name	ANGEL OAK HM LOANS
Address	ATLANTA, GA 30305

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2048

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 3, 2017
Property Address	4307 CARRIAGE LN, DESTIN, FL 32541-3451
Document Number	0033112954
Book / Page	003311 / 002954
Instrument Date	Jul 31, 2017
Instrument	3151543
Transaction Type	Transfer
Record Updated	Nov 17, 2017
Title Company	RODGERS-KIEFER TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4307 CARRIAGE LN DESTIN FL 325413451, DESTIN, FL 32541-3451

Mortgage

Document Number	33112956
Date	Aug 3, 2017
Book Page	003311/002956
Instrument	3151544

Lender

Name	BLAKE MORAR
Address	3305 W COUNTY HIGHWAY 30A, SANTA ROSA BEACH, FL 32459-4597

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Aug 2, 2019

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 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	$8,648.00 (+5.08%)	$859,959 (+5.99%)	$907,353 (+11.83%) Land $297,489 Building $609,864
2023	$8,230.00 (+79.03%) Homeowner's exemption	$811,382 (+74.4%) Land $262,066 Building $549,316	$811,382 (+29.13%) Land $262,066 Building $549,316
2022	$4,597.00 Homeowner's exemption	$465,245	$628,363 Land $226,897 Building $401,466

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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 1999) 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

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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