4312 Carriage Ln, Destin, FL 32541 Property Records

Okaloosa County property record for 4312 Carriage Ln, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,663 sqft · built 2000
Lot Size	0.221 acres (9,608 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Jan 2002)
Tax Bill	$3,810 (2025)
Deeds & Mortgages	Oct 2025 Transfer Feb 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-4892-8`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4892-8`
Alternative APNs	`00-2S-22-0322-0000-0280` `22S200032200000280`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,663 sqft Living Area
Gross Area	3,536 sqft
1st Floor Area	2,663 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	9,608 sqft (0.221 acres)
Garage Type	Attached
Garage Area	528 sqft
Driveway	Driveway
Porch	Florida Room
Porch Area	345 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4312 CARRIAGE LN
City	DESTIN
State	FL
Zip	32541-3453
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARRIAGE PLACE S/D LOT 28
Legal Subdivision	CARRIAGE PLACE S/D
Legal Block	1
Legal Lot Number	28
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1002
Census Tract	23304

Owner

4312 Carriage Ln is owned and occupied by two individuals who acquired it in February 2024.

Source: Okaloosa County records, as of December 31, 2025

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	2 Individual Names on File
Mailing Address	4312 CARRIAGE LN, DESTIN, FL 32541-3453
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Feb 28, 2024	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jul 23, 2020	Deed of Trust, Mortgage · Line of Credit REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2002 · Amount on File
Deed Sale	Jan 23, 2002 · Amount on File
Prior Sale	May 12, 2000 · Amount on File
Deed Document Number	20021895748
Deed Book / Page	2338 / 4706
Last Transfer Date	Feb 16, 2024
Transfer Doc	0003673462
Record Updated	Sep 20, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Oct 23, 2025
Property Address	4312 CARRIAGE LN, DESTIN, FL 32541-3453
Document Number	0003779751
Map Reference	MB 17 PG 83
Instrument Date	Oct 21, 2025
Instrument	3779751
Transaction Type	Transfer
Record Updated	Nov 19, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4312 CARRIAGE LN, DESTIN, FL 32541-3453

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4312 CARRIAGE LN, DESTIN, FL 32541-3453

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Feb 28, 2024
Property Address	4312 CARRIAGE LN, DESTIN, FL 32541-3453
Document Number	0003673462
Map Reference	MB 17 PG 83
Instrument Date	Feb 16, 2024
Instrument	3673462
Transaction Type	Transfer
Record Updated	Mar 26, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1751 SCENIC HIGHWAY 98812, 98812, DESTIN, FL 32541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1751 SCENIC HIGHWAY 98 UNIT 812, 812, DESTIN, FL 32541-8551

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4312 CARRIAGE LN, DESTIN, FL 32541-3453
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4312 CARRIAGE LN, DESTIN, FL 32541-3453

Mortgage

Document Number	0034772631
Date	Jul 23, 2020
Book Page	3477/2631
Instrument	3375458

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 8, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 4312 Carriage Ln was $3,810, up 3% from the year before.

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	$3,810.00 (+2.97%)	$399,891 (+2.9%)	$878,963 (+7.87%) Land $297,489 Building $581,474
2024	$3,700.00 (+2.32%) Homeowner's exemption	$388,621 (+3%)	$814,813 (+3.84%) Land $280,412 Building $534,401
2023	$3,616.00 (+2.29%) Homeowner's exemption	$377,302 (+3%)	$784,652 (+21.52%) Land $262,066 Building $522,586
2022	$3,535.00 Homeowner's exemption	$366,313	$645,718 Land $226,897 Building $418,821

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

Flood

FEMA maps place 4312 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 2000) 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 4312 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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