4340 Carriage Ln, Destin, FL 32541 Property Records

Okaloosa County property record for 4340 Carriage Ln, Destin, FL 32541

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,031 sqft · built 1999
Lot Size	0.224 acres (9,747 sqft)
Owner	2 Company Names on Record
Last Sale	$545,000 (Aug 2016)
Tax Bill	$4,546 (2025)
Deeds & Mortgages	Jun 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`C56-000-589-4906-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-589-4906-6`
Alternative APNs	`00-2S-22-0322-0000-0420` `22S200032200000420`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,031 sqft Living Area
Gross Area	3,041 sqft
1st Floor Area	2,031 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	9,747 sqft (0.224 acres)
Garage Type	Attached
Garage Area	808 sqft
Driveway	Driveway
Porch	Slab
Porch Area	202 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4340 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 42
Legal Subdivision	CARRIAGE PLACE S/D
Legal Block	1
Legal Lot Number	42
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 October 2, 2026

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	4340 CARRIAGE LN, DESTIN, FL 32541-3453
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2016 · Amount on Record
Deed Sale	Aug 23, 2016 · Amount on Record
Prior Sale	Sep 5, 2013 · Amount on Record
Deed Document Number	20163085522
Deed Book / Page	3262 / 4541
Prior Transfer Date	May 14, 2013
Prior Transfer Doc	0030952904
Record Updated	Oct 29, 2026

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 6, 2018
Property Address	4340 CARRIAGE LN, DESTIN, FL 32541-3453
Document Number	0033531982
Book / Page	003353 / 001982
Instrument Date	Jun 5, 2018
Instrument	3211679
Transaction Type	Transfer
Record Updated	Jul 2, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4340 CARRIAGE LN DESTIN FL 325413453, DESTIN, FL 32541-3453

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	$4,546.00 (+5.28%) Homeowner's exemption	$469,908 (+5.99%)	$782,817 (+11.6%) Land $257,566 Building $525,251
2023	$4,318.00 (+2.25%) Homeowner's exemption	$443,364 (+3%)	$701,441 (+16.33%) Land $226,897 Building $474,544
2022	$4,223.00 Homeowner's exemption	$430,450	$602,969 Land $206,270 Building $396,699

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 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

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