Okaloosa County property record for 4319 Carriage Ln, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,573 sqft · built 2018 |
| Lot Size | 0.232 acres (10,085 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $170,000 (May 2017) |
| Tax Bill | $6,158 (2025) |
| Deeds & Mortgages | Jan 2026 Transfer Oct 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-4884-5 |
| Primary APN | C56-000-589-4884-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,573 sqft Living Area |
| Gross Area | 3,968 sqft |
| 1st Floor Area | 2,573 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete |
| Lot Area | 10,085 sqft (0.232 acres) |
| Garage Type | Attached |
| Garage Area | 918 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 477 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4319 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 14 |
| Legal Subdivision | CARRIAGE PLACE S/D |
| Legal Block | 1 |
| Legal Lot Number | 14 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 23304 |
Source: Okaloosa County records, as of July 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4319 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jan 9, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Oct 4, 2017 | Deed of Trust, Mortgage BRANCH BK&TR |
| May 22, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 22, 2017 · Amount on Record |
| Deed Sale | May 22, 2017 · Amount on Record |
| Prior Sale | Feb 10, 2016 · Amount on Record |
| Deed Document Number | 20173136590 |
| Deed Book / Page | 3300 / 3132 |
| Last Transfer Date | Jan 7, 2026 |
| Transfer Doc | 0003792525 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 9, 2026 |
| Property Address | 4319 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Document Number | 0003792525 |
| Map Reference | MB 17 PG 83 |
| Instrument Date | Jan 7, 2026 |
| Instrument | 3792525 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4319 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 4319 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4319 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Document Number | 0033210630 |
| Book / Page | 003321 / 000630 |
| Instrument Date | Oct 4, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4319 CARRIAGE LN DESTIN FL 325413451, DESTIN, FL 32541-3451 |
| Document Number | 0033210630 |
|---|---|
| Date | Oct 10, 2017 |
| Book Page | 003321/000630 |
| Instrument | 3165090 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Oct 9, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 22, 2017 |
| Property Address | 4319 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Document Number | 0033003132 |
| Book / Page | 003300 / 003132 |
| Instrument Date | May 5, 2017 |
| Instrument | 3136590 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,190.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 604 TARTAN WAY ENTERPRISE AL 363302351, ENTERPRISE, AL 36330-2351 |
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 | $6,158.00 (+5.23%) Homeowner's exemption Veteran's exemption | $628,155 (+5.99%) | $994,121 (+11.06%) Land $257,566 Building $736,555 |
| 2023 | $5,852.00 (+2.2%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $592,672 (+3%) | $895,093 (+16.86%) Land $226,897 Building $668,196 |
| 2022 | $5,726.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $575,410 | $765,966 Land $206,270 Building $559,696 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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 2018) 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.
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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