Okaloosa County property record for 4322 Carriage Ln, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,459 sqft · built 1998 |
| Lot Size | 0.233 acres (10,129 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $620,000 (Jul 2020) |
| Tax Bill | $8,084 (2025) |
| Deeds & Mortgages | Jul 2020 Sale & Mortgage Jun 2019 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-4897-7 |
| Primary APN | C56-000-589-4897-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,459 sqft Living Area |
| Gross Area | 3,445 sqft |
| 1st Floor Area | 2,459 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete |
| Lot Area | 10,129 sqft (0.233 acres) |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Driveway | Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 326 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4322 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 33 |
| Legal Subdivision | CARRIAGE PLACE S/D |
| Legal Block | 1 |
| Legal Lot Number | 33 |
| 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 January 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4322 CARRIAGE LN, DESTIN, FL 32541-3453 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2020 | Warranty Deed, Transfer · VA Mortgage NEW AMERICAN FNDG |
| Jun 14, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Feb 20, 2018 | Deed of Trust, Mortgage · Line of Credit HANCOCK BK/AL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 13, 2020 · Amount on Record |
| Deed Sale | Jul 13, 2020 · Amount on Record |
| Prior Sale | Jun 14, 2019 · Amount on Record |
| Deed Document Number | 20203372744 |
| Deed Book / Page | 3475 / 547 |
| Prior Transfer Date | Mar 10, 2008 |
| Prior Transfer Doc | 0028333840 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 13, 2020 |
| Property Address | 4322 CARRIAGE LN, DESTIN, FL 32541-3453 |
| Document Number | 0034750547 |
| Book / Page | 003475 / 000547 |
| Instrument Date | Jul 8, 2020 |
| Instrument | 3372744 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,340.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4322 CARRIAGE LN DESTIN FL 325413453, DESTIN, FL 32541-3453 |
| Document Number | 34750549 |
|---|---|
| Date | Jul 13, 2020 |
| Book Page | 003475/000549 |
| Instrument | 3372745 |
| Name | NEW AMERICAN FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 12, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 14, 2019 |
| Property Address | 4322 CARRIAGE LN, DESTIN, FL 32541-3453 |
| Document Number | 0034034957 |
| Book / Page | 003403 / 004957 |
| Instrument Date | Jun 13, 2019 |
| Instrument | 3284580 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,990.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 603 ROBIN DALE DR LAKEWAY TX 787343423, LAKEWAY, TX 78734-3423 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4322 CARRIAGE LN, DESTIN, FL 32541-3453 |
| Document Number | 0033410702 |
| Instrument Date | Feb 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4322 CARRIAGE LN DESTIN FL 325413453, DESTIN, FL 32541-3453 |
| Document Number | 0033410702 |
|---|---|
| Date | Mar 13, 2018 |
| Book Page | 003341/000702 |
| Instrument | 3193984 |
| Name | HANCOCK BK/AL |
|---|---|
| Type | Bank |
| Address | PENSACOLA, FL 32504 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 12, 2043 |
| Rate Type | Adjustable Rate |
|---|
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 | $8,084.00 (+5.14%) Homeowner's exemption Veteran's exemption | $811,293 (+5.99%) | $864,237 (+12.9%) Land $297,489 Building $566,748 |
| 2023 | $7,689.00 (+21.82%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $765,465 (+19.46%) Land $262,066 Building $503,399 | $765,465 (+19.46%) Land $262,066 Building $503,399 |
| 2022 | $6,312.00 | $640,790 Land $226,897 Building $413,893 | $640,790 Land $226,897 Building $413,893 |
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 1998) 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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