Okaloosa County property record for 4317 Carriage Ln, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,414 sqft · built 2003 |
| Lot Size | 0.224 acres (9,759 sqft) |
| Owner | Individual Name on File |
| Last Sale | $390,000 (May 2010) |
| Tax Bill | $4,065 (2025) |
| Deeds & Mortgages | Jul 2019 Mortgage Jul 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-4885-2 |
| Primary APN | C56-000-589-4885-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,414 sqft Living Area |
| Gross Area | 3,298 sqft |
| 1st Floor Area | 2,414 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete |
| Lot Area | 9,759 sqft (0.224 acres) |
| Garage Type | Attached |
| Garage Area | 566 sqft |
| Porch | Open/Unfinished Porch |
| Porch Area | 318 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4317 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 15 |
| Legal Subdivision | CARRIAGE PLACE S/D |
| Legal Block | 1 |
| Legal Lot Number | 15 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 23304 |
4317 Carriage Ln is owned and occupied by an individual who acquired it in July 2019.
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 | Individual Name on File |
|---|---|
| Mailing Address | 4317 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 16, 2019 | Quit Claim Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Jul 3, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 17, 2010 · Amount on File |
| Deed Sale | May 17, 2010 · Amount on File |
| Prior Sale | Oct 4, 2001 · Amount on File |
| Deed Document Number | 20102634434 |
| Deed Book / Page | 2935 / 4211 |
| Last Transfer Date | Jul 10, 2019 |
| Transfer Doc | 0034091212 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 16, 2019 |
| Property Address | 4317 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Document Number | 0034091212 |
| Book / Page | 003409 / 001212 |
| Instrument Date | Jul 10, 2019 |
| Instrument | 3291662 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2019 |
| Title Company | AQUA TITLE SERVICES, AQUA TITLE SVCS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4317 CARRIAGE LN DESTIN FL 325413451, DESTIN, FL 32541-3451 |
| Document Number | 34091214 |
|---|---|
| Date | Jul 16, 2019 |
| Book Page | 003409/001214 |
| Instrument | 3291663 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 15, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4317 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Document Number | 0033081248 |
| Instrument Date | Jul 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2018 |
| Name | Verified Name |
|---|---|
| Address | 4317 CARRIAGE LN DESTIN FL 325413451, DESTIN, FL 32541-3451 |
| Document Number | 0033081248 |
|---|---|
| Date | Jul 13, 2017 |
| Book Page | 003308/001248 |
| Instrument | 3147106 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 12, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 4317 Carriage Ln was $4,065 with a homeowner's exemption.
Source: Okaloosa County assessment roll, as of December 31, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,065.00 Homeowner's exemption | $424,124 | $832,280 Land $257,566 Building $574,714 |
| 2023 | $3,859.00 (+2.28%) Homeowner's exemption | $400,166 (+3%) | $748,064 (+17.2%) Land $226,897 Building $521,167 |
| 2022 | $3,773.00 Homeowner's exemption | $388,511 | $638,295 Land $206,270 Building $432,025 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4317 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 |
|
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 2003) 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 risk around 4317 Carriage Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 90 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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 |
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