Okaloosa County property record for 4328 Carriage Ln, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,521 sqft · built 1999 |
| Lot Size | 0.2 acres (8,706 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $850,000 (Feb 2022) |
| Tax Bill | $8,358 (2025) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage Sep 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-4900-9 |
| Primary APN | C56-000-589-4900-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,521 sqft Living Area |
| Gross Area | 3,728 sqft |
| 1st Floor Area | 2,521 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete |
| Lot Area | 8,706 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 679 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4328 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 36 |
| Legal Subdivision | CARRIAGE PLACE S/D |
| Legal Block | 1 |
| Legal Lot Number | 36 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 23304 |
4328 Carriage Ln is owned and occupied by two individuals who bought it in February 2022.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4328 CARRIAGE LN, DESTIN, FL 32541-3453 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Feb 18, 2022 | Warranty Deed, Transfer · Conventional Mortgage POINT MORTGAGE CORP |
| Sep 10, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 18, 2022 · Amount on File |
| Deed Sale | Feb 18, 2022 · Amount on File |
| Prior Sale | Sep 10, 2020 · Amount on File |
| Deed Document Number | 20223527994 |
| Deed Book / Page | 3605 / 1516 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 18, 2022 |
| Property Address | 4328 CARRIAGE LN, DESTIN, FL 32541-3453 |
| Document Number | 0036051516 |
| Book / Page | 3605 / 1516 |
| Map Reference | MB 17 PG 83 |
| Instrument Date | Feb 15, 2022 |
| Instrument | 3527994 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,950.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4482 STONEBRIDGE RD, 4482, DESTIN, FL 32541-3491 |
| Name | Verified Name |
|---|---|
| Address | 1032 SANTA HELENA PARK CT, SOLANA BEACH, CA 92075-1540 |
| Document Number | 0036051517 |
|---|---|
| Date | Feb 18, 2022 |
| Instrument | 3605/1517 |
| Name | POINT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 10, 2020 |
| Property Address | 4328 CARRIAGE LN, DESTIN, FL 32541-3453 |
| Document Number | 0034910816 |
| Book / Page | 003491 / 000816 |
| Instrument Date | Sep 8, 2020 |
| Instrument | 3390179 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $4,550.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 4328 CARRIAGE LN DESTIN FL 325413453, DESTIN, FL 32541-3453 |
The 2025 property tax bill for 4328 Carriage Ln was $8,358 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 | $8,358.00 Homeowner's exemption | $832,339 | $878,918 Land $297,489 Building $581,429 |
| 2023 | $7,953.00 (+22.07%) Homeowner's exemption | $785,321 (+18.59%) Land $262,066 Building $523,255 | $785,321 (+18.59%) Land $262,066 Building $523,255 |
| 2022 | $6,515.00 | $662,237 Land $226,897 Building $435,340 | $662,237 Land $226,897 Building $435,340 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4328 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 1999) 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 4328 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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