4330 Carriage Ln, Destin, FL 32541 Property Records

Okaloosa County property record for 4330 Carriage Ln, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,671 sqft · built 2004
Lot Size	0.19 acres (8,270 sqft)
Owner	2 Individual Names on Record
Last Sale	$630,000 (Jun 2020)
Tax Bill	$8,365 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-4901-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4901-7`
Alternative APNs	`00-2S-22-0322-0000-0370` `22S200032200000370`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,671 sqft Living Area
Gross Area	3,458 sqft
1st Floor Area	2,671 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	8,270 sqft (0.19 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Screened/Unfinished Porch
Porch Area	325 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4330 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 37
Legal Subdivision	CARRIAGE PLACE S/D
Legal Block	1
Legal Lot Number	37
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1002
Census Tract	23304

Owner

Source: Okaloosa County records, as of August 27, 2026

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	4330 CARRIAGE LN, DESTIN, FL 32541-3453
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2020 · Amount on Record
Deed Sale	Jun 17, 2020 · Amount on Record
Prior Sale	Mar 22, 2004 · Amount on Record
Deed Document Number	20203366420
Deed Book / Page	3469 / 2787
Prior Transfer Date	Dec 4, 2014
Prior Transfer Doc	0031794040
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 17, 2020
Property Address	4330 CARRIAGE LN, DESTIN, FL 32541-3453
Document Number	0034692787
Book / Page	3469 / 2787
Map Reference	MB 17 PG 83
Instrument Date	Jun 10, 2020
Instrument	3366420
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	MCGILL ESCROW AND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,410.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4203 LANE PARKE CT, 4203, BIRMINGHAM, AL 35223-2392

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	264 DIAMOND CV, DESTIN, FL 32541-5127

Mortgage

Document Number	0034692788
Date	Jun 17, 2020
Instrument	3469/2788

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,365.00 (+14.87%)	$873,362 (+12.77%) Land $297,489 Building $575,873	$873,362 (+12.77%) Land $297,489 Building $575,873
2023	$7,282.00 (+13.98%)	$774,435 (+19.22%) Land $262,066 Building $512,369	$774,435 (+19.22%) Land $262,066 Building $512,369
2022	$6,389.00	$649,579 Land $226,897 Building $422,682	$649,579 Land $226,897 Building $422,682

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 18 claims Hurricane Frances, Sep 2004 · 23 claims Hurricane Opal, Oct 1995 · 37 claims

Coastal Barrier Resources

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.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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