4315 Carriage Ln, Destin, FL 32541 Property Records

Okaloosa County property record for 4315 Carriage Ln, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,583 sqft · built 1999
Lot Size	0.209 acres (9,090 sqft)
Owner	2 Individual Names on File
Last Sale	$769,000 (May 2021)
Tax Bill	$8,177 (2025)
Deeds & Mortgages	May 2021 Sale Feb 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-4886-0`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4886-0`
Alternative APNs	`00-2S-22-0322-0000-0160` `22S200032200000160`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,583 sqft Living Area
Gross Area	3,439 sqft
1st Floor Area	2,583 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	9,090 sqft (0.209 acres)
Garage Type	Attached
Garage Area	616 sqft
Porch	Florida Room
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4315 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 16
Legal Subdivision	CARRIAGE PLACE S/D
Legal Block	1
Legal Lot Number	16
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1002
Census Tract	23304

Owner

4315 Carriage Ln is owned and occupied by two individuals who bought it in May 2021.

Source: Okaloosa County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4315 CARRIAGE LN, DESTIN, FL 32541-3451
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
May 5, 2021	Warranty Deed, Transfer SETCO SERVICES LLC
Feb 7, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BK
Aug 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2021 · Amount on File
Deed Sale	May 5, 2021 · Amount on File
Prior Sale	Sep 2, 2011 · Amount on File
Deed Document Number	20213452688
Deed Book / Page	3544 / 3093
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 5, 2021
Property Address	4315 CARRIAGE LN, DESTIN, FL 32541-3451
Document Number	0035443093
Book / Page	3544 / 3093
Map Reference	MB 17 PG 83&84
Instrument Date	May 3, 2021
Instrument	3452688
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount on Record
Tax	$5,383.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4315 CARRIAGE LN, 4315, DESTIN, FL 32541-3451

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4339 MARDEN DR, VESTAVIA, AL 35242-2224

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4315 CARRIAGE LN, DESTIN, FL 32541-3451
Document Number	0034451973
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Mar 9, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4315 CARRIAGE LN DESTIN FL 325413451, DESTIN, FL 32541-3451

Mortgage

Document Number	0034451973
Date	Feb 21, 2020
Book Page	003445/001973
Instrument	3339185

Lender

Name	TRUIST BK
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 20, 2050

Interest

Rate Type	Adjustable Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	4315 CARRIAGE LN, DESTIN, FL 32541-3451
Document Number	0033123242
Book / Page	003312 / 003242
Instrument Date	Aug 3, 2017
Transaction Type	Mortgage
Record Updated	Nov 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4315 CARRIAGE LN DESTIN FL 325413451, DESTIN, FL 32541-3451

Mortgage

Document Number	0033123242
Date	Aug 9, 2017
Book Page	003312/003242
Instrument	3152973

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4315 Carriage Ln was $8,177 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	$8,177.00 Homeowner's exemption	$815,194	$892,560 Land $297,489 Building $595,071
2023	$7,781.00 (+2.14%) Homeowner's exemption	$769,146 (+3%)	$797,996 (+6.86%) Land $262,066 Building $535,930
2022	$7,618.00 Homeowner's exemption	$746,744 Land $226,897 Building $519,847	$746,744 Land $226,897 Building $519,847

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

Flood

FEMA maps place 4315 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 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

Wildfire risk around 4315 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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