Okaloosa County property record for 4323 Carriage Ln, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,317 sqft · built 2000 |
| Lot Size | 0.223 acres (9,733 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $480,000 (Sep 2017) |
| Tax Bill | $4,481 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Nov 2021 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-4882-9 |
| Primary APN | C56-000-589-4882-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,317 sqft Living Area |
| Gross Area | 3,224 sqft |
| 1st Floor Area | 2,317 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete |
| Lot Area | 9,733 sqft (0.223 acres) |
| Garage Type | Attached |
| Garage Area | 676 sqft |
| Porch | Florida Room |
| Porch Area | 231 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4323 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 12 |
| Legal Subdivision | CARRIAGE PLACE S/D |
| Legal Block | 1 |
| Legal Lot Number | 12 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 23304 |
4323 Carriage Ln is owned by a company that acquired it in November 2021 and is owner-occupied.
Source: Okaloosa County records, as of December 31, 2025
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 4323 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 18, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 18, 2021 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Sep 20, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Sep 6, 2017 | Warranty Deed, Transfer · Conventional Mortgage PADUCAH BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2017 · Amount on File |
| Deed Sale | Sep 6, 2017 · Amount on File |
| Deed Document Number | 20173158369 |
| Deed Book / Page | 3316 / 2568 |
| Last Transfer Date | Nov 12, 2021 |
| Transfer Doc | 0035881498 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Nov 18, 2021 |
| Property Address | 4323 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Document Number | 0035881498 |
| Book / Page | 3588 / 1498 |
| Map Reference | MB 17 PG 83 |
| Instrument Date | Nov 12, 2021 |
| Instrument | 3506757 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4323 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Document Number | 35881502 |
|---|---|
| Date | Nov 18, 2021 |
| Instrument | 3588/1502 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Nov 18, 2021 |
| Property Address | 4323 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Document Number | 0035881524 |
| Book / Page | 3588 / 1524 |
| Map Reference | MB 17 PG 83 |
| Instrument Date | Nov 12, 2021 |
| Instrument | 3506759 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 4323 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 20, 2017 |
| Property Address | 4323 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Document Number | 0033181291 |
| Book / Page | 003318 / 001291 |
| Instrument Date | Sep 20, 2017 |
| Instrument | 3161028 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 844 SANDGRASS BLVD SANTA ROSA BEACH FL 324598878, SANTA ROSA BEACH, FL 32459-8878 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 6, 2017 |
| Property Address | 4323 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Document Number | 0033162568 |
| Book / Page | 003316 / 002568 |
| Instrument Date | Aug 31, 2017 |
| Instrument | 3158369 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | BURKE LAW AND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,360.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4323 CARRIAGE LN DESTIN FL 325413451, DESTIN, FL 32541-3451 |
| Document Number | 33162571 |
|---|---|
| Date | Sep 6, 2017 |
| Book Page | 003316/002571 |
| Instrument | 3158370 |
| Name | PADUCAH BK&TR |
|---|---|
| Type | Bank |
| Address | PADUCAH, KY 42001 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 5, 2047 |
The 2025 property tax bill for 4323 Carriage Ln was $4,481 with exemptions applied.
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 | $4,481.00 Homeowner's exemption Widower's exemption | $468,752 | $806,916 Land $257,566 Building $549,350 |
| 2023 | $4,253.00 (+1.12%) Homeowner's exemption Widower's exemption | $442,273 (+3%) | $720,977 (+16.83%) Land $226,897 Building $494,080 |
| 2022 | $4,206.00 Homeowner's exemption Widower's exemption | $429,391 | $617,136 Land $206,270 Building $410,866 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4323 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 2000) 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 4323 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures