Okaloosa County property record for 4329 Carriage Ln, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,775 sqft · built 2017 |
| Lot Size | 0.197 acres (8,587 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $995,000 (Jun 2022) |
| Tax Bill | $8,812 (2025) |
| Deeds & Mortgages | Jun 2022 Sale Feb 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-4878-7 |
| Primary APN | C56-000-589-4878-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,775 sqft Living Area |
| Gross Area | 3,533 sqft |
| 1st Floor Area | 1,944 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete |
| Lot Area | 8,587 sqft (0.197 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Florida Room |
| Porch Area | 296 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4329 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 9 |
| Legal Subdivision | CARRIAGE PLACE S/D |
| Legal Block | 1 |
| Legal Lot Number | 9 |
| 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 Company Names on Record |
|---|---|
| Mailing Address | 4329 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Jun 9, 2022 | Warranty Deed, Transfer SETCO SERVICES LLC |
| Feb 28, 2017 | Warranty Deed, Subdivision Related Transfer · ARM CENTENNIAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 9, 2022 · Amount on Record |
| Deed Sale | Jun 9, 2022 · Amount on Record |
| Prior Sale | Feb 28, 2017 · Amount on Record |
| Deed Document Number | 20223556218 |
| Deed Book / Page | 3626 / 3376 |
| Prior Transfer Date | Aug 9, 2006 |
| Prior Transfer Doc | 0027273721 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 9, 2022 |
| Property Address | 4329 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Document Number | 0036263376 |
| Book / Page | 3626 / 3376 |
| Map Reference | MB 17 PG 83&84 |
| Instrument Date | Jun 6, 2022 |
| Instrument | 3556218 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $6,965.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4329 CARRIAGE LN, 4329, DESTIN, FL 32541-3451 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1125 PROMONTORY DR, MARIETTA, GA 30062-2987 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Feb 28, 2017 |
| Property Address | 4329 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Document Number | 0032890510 |
| Book / Page | 3289 / 0510 |
| Map Reference | MB17 PG83 |
| Instrument Date | Feb 27, 2017 |
| Instrument | 3120220 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4394 COACH LN, 4394, DESTIN, FL 32541-3448 |
| Name | Verified Name |
|---|---|
| Address | 4329 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Document Number | 0003120221 |
|---|---|
| Date | Feb 28, 2017 |
| Instrument | 3120221 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Feb 27, 2017 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 6.37% |
| Index | 1-Year LIBOR |
| Max Rate | 1.03% |
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 | $8,812.00 (+0.34%) Homeowner's exemption Widower's exemption | $880,577 (+6.58%) | $929,268 (+12.47%) Land $257,566 Building $671,702 |
| 2023 | $8,782.00 (+74.07%) | $826,222 (+62.95%) Land $226,897 Building $599,325 | $826,222 (+21.04%) Land $226,897 Building $599,325 |
| 2022 | $5,045.00 Homeowner's exemption | $507,050 | $682,622 Land $206,270 Building $476,352 |
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 2017) 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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