4314 Carriage Ln, Destin, FL 32541 Property Records

Okaloosa County property record for 4314 Carriage Ln, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,082 sqft · built 2017
Lot Size	0.209 acres (9,095 sqft)
Owner	2 Individual Names on File
Last Sale	$1,050,000 (Mar 2022)
Tax Bill	$9,283 (2025)
Deeds & Mortgages	Mar 2022 Sale Aug 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-4893-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4893-6`
Alternative APNs	`00-2S-22-0322-0000-0290` `22S200032200000290`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,082 sqft Living Area
Gross Area	4,089 sqft
1st Floor Area	3,082 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Combination
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	9,095 sqft (0.209 acres)
Garage Type	Attached
Garage Area	550 sqft
Porch	Florida Room
Porch Area	457 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4314 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 29
Legal Subdivision	CARRIAGE PLACE S/D
Legal Block	1
Legal Lot Number	29
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1002
Census Tract	23304

Owner

4314 Carriage Ln is owned and occupied by two individuals who bought it in March 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	4314 CARRIAGE LN, DESTIN, FL 32541-3453
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
Mar 31, 2022	Warranty Deed, Transfer EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC
Aug 22, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 21, 2017	Warranty Deed, Transfer · Conventional Mortgage SUNBELT LNDG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2022 · Amount on File
Deed Sale	Mar 31, 2022 · Amount on File
Prior Sale	Aug 21, 2017 · Amount on File
Deed Document Number	20223538860
Deed Book / Page	3613 / 3085
Prior Transfer Date	Aug 17, 2017
Prior Transfer Doc	0033141318
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 31, 2022
Property Address	4314 CARRIAGE LN, DESTIN, FL 32541-3453
Document Number	0036133085
Book / Page	3613 / 3085
Map Reference	MB 17 PG 83&84
Instrument Date	Mar 31, 2022
Instrument	3538860
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Transaction

Amount	Amount on Record
Tax	$7,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4314 CARRIAGE LN, 4314, DESTIN, FL 32541-3453

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 CRYSTAL BEACH DR UNIT 123, 123, DESTIN, FL 32541-3590

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 22, 2017
Property Address	4314 CARRIAGE LN, DESTIN, FL 32541-3453
Document Number	0033141318
Book / Page	003314 / 001318
Instrument Date	Aug 17, 2017
Instrument	3155316
Transaction Type	Transfer
Record Updated	Oct 26, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4314 CARRIAGE LN DESTIN FL 325413453, DESTIN, FL 32541-3453

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Aug 21, 2017
Property Address	4314 CARRIAGE LN, DESTIN, FL 32541-3453
Document Number	0033140553
Book / Page	003314 / 000553
Instrument Date	Aug 16, 2017
Instrument	3155067
Transaction Type	Transfer
Record Updated	Oct 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,655.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4314 CARRIAGE LN DESTIN FL 325413453, DESTIN, FL 32541-3453

Mortgage

Document Number	33140555
Date	Aug 21, 2017
Book Page	003314/000555
Instrument	3155068

Lender

Name	SUNBELT LNDG SVCS
Address	CLEARWATER, FL 33759

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 4314 Carriage Ln was $9,283 with a homeowner's exemption.

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	$9,283.00 Homeowner's exemption	$920,310	$1,110,761 Land $297,489 Building $813,272
2023	$8,835.00 (+49.14%) Homeowner's exemption	$868,323 (+47.46%)	$990,678 (+20.27%) Land $262,066 Building $728,612
2022	$5,924.00 Homeowner's exemption	$588,867	$823,720 Land $226,897 Building $596,823

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

Flood

FEMA maps place 4314 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 2017) 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 4314 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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