Okaloosa County property record for 4324 Carriage Ln, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,015 sqft · built 2004 |
| Lot Size | 0.22 acres (9,596 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,000,000 (Aug 2024) |
| Tax Bill | $10,004 (2025) |
| Deeds & Mortgages | Jul 2021 Line of Credit Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-4898-5 |
| Primary APN | C56-000-589-4898-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,015 sqft Living Area |
| Gross Area | 4,180 sqft |
| 1st Floor Area | 3,015 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete |
| Lot Area | 9,596 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 625 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 540 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4324 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 34 |
| Legal Subdivision | CARRIAGE PLACE S/D |
| Legal Block | 1 |
| Legal Lot Number | 34 |
| 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 December 31, 2025
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 | 4324 CARRIAGE LN, DESTIN, FL 32541-3453 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 8, 2021 | Deed of Trust, Mortgage · Line of Credit WHITNEY BANK |
| Aug 20, 2019 | Deed of Trust, Mortgage · Commercial Mortgage WHITNEY BANK |
| Mar 17, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2024 · Amount on Record |
| Deed Sale | Aug 1, 2024 · Amount on Record |
| Prior Sale | Nov 5, 2004 · Amount on Record |
| Deed Document Number | 20243703006 |
| Prior Transfer Date | Mar 12, 2020 |
| Prior Transfer Doc | 0034501093 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4324 CARRIAGE LN, DESTIN, FL 32541-3453 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0035591030 |
|---|---|
| Date | Jul 8, 2021 |
| Book Page | 3559/1030 |
| Instrument | 3470190 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | CRESTVIEW, FL 32539 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jun 8, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4324 CARRIAGE LN, DESTIN, FL 32541-3453 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0034143649 |
|---|---|
| Date | Aug 20, 2019 |
| Book Page | 3414/3649 |
| Instrument | 3299086 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Address | CRESTVIEW, FL 32539 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 17, 2020 |
| Property Address | 4324 CARRIAGE LN, DESTIN, FL 32541-3453 |
| Document Number | 0034501093 |
| Book / Page | 003450 / 001093 |
| Instrument Date | Mar 12, 2020 |
| Instrument | 3345184 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 4324 CARRIAGE LN DESTIN FL 325413453, DESTIN, FL 32541-3453 |
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 | $10,004.00 (+1,035.53%) | $988,899 (+114.26%) | $993,007 (+11.26%) Land $297,489 Building $695,518 |
| 2023 | $881.00 (-79.76%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption | $461,538 (+3%) | $892,488 (+18.22%) Land $262,066 Building $630,422 |
| 2022 | $4,353.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption | $448,095 | $754,934 Land $226,897 Building $528,037 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 2004) 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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