Okaloosa County property record for 4345 Carriage Ln, Destin, FL 32541
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,527 sqft · built 1998 |
| Lot Size | 0.207 acres (9,031 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $917,000 (Jun 2026) |
| Tax Bill | $8,904 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Apr 2022 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-589-4870-4 |
| Primary APN | C56-000-589-4870-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,527 sqft Living Area |
| Gross Area | 3,629 sqft |
| 1st Floor Area | 2,527 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete |
| Lot Area | 9,031 sqft (0.207 acres) |
| Garage Type | Attached |
| Garage Area | 748 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 354 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4345 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 1 |
| Legal Subdivision | CARRIAGE PLACE S/D |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 23304 |
4345 Carriage Ln is owned and occupied by two individuals who bought it in June 2026.
Source: Okaloosa County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4345 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jun 9, 2026 | Warranty Deed, Transfer MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE |
| Apr 19, 2022 | Deed of Trust, Mortgage THE FIRST A NATIONAL BANKING ASSN |
| Jul 10, 2018 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Jul 18, 2019 | Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK |
| Jan 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Jan 27, 2022 | Warranty Deed, Transfer AQUA TITLE SERVICES |
| Mar 27, 2018 | Warranty Deed, Transfer REGIONS MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 9, 2026 · Amount on File |
| Deed Sale | Jun 9, 2026 · Amount on File |
| Prior Sale | Jan 27, 2022 · Amount on File |
| Deed Document Number | 20263821466 |
| Prior Transfer Date | Mar 26, 2018 |
| Prior Transfer Doc | 0033430162 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 9, 2026 |
| Property Address | 4345 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Document Number | 0003821466 |
| Instrument Date | Jun 9, 2026 |
| Instrument | 20263821466 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2026 |
| Title Company | MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $648,319.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4345 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4345 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3592 PRESERVE LN, MIRAMAR BEACH, FL 32550-1854 |
| Document Number | 0036170116 |
|---|---|
| Date | Apr 19, 2022 |
| Book Page | 3617/116 |
| Instrument | 3543392 |
| Name | THE FIRST A NATIONAL BANKING ASSN |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32541 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4345 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0033581301 |
|---|---|
| Date | Jul 10, 2018 |
| Book Page | 3358/1301 |
| Instrument | 3218430 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jun 29, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4345 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0034093310 |
|---|---|
| Date | Jul 18, 2019 |
| Book Page | 3409/3310 |
| Instrument | 3292181 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 312 Months |
| Due | Jul 25, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 4345 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4345 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Document Number | 0035204952 |
|---|---|
| Date | Jan 26, 2021 |
| Book Page | 3520/4952 |
| Instrument | 3424802 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jan 27, 2022 |
| Property Address | 4345 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Document Number | 0036011223 |
| Book / Page | 3601 / 1223 |
| Map Reference | MB 17 PG 83&84 |
| Instrument Date | Jan 24, 2022 |
| Instrument | 3522734 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2022 |
| Title Company | AQUA TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Tax | $5,495.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12597 BRAVO RD, 12597, COLLIERVILLE, TN 38017-4982 |
| Name | Verified Name |
|---|---|
| Address | 3592 PRESERVE LN, MIRAMAR BEACH, FL 32550-1854 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 27, 2018 |
| Property Address | 4345 CARRIAGE LN, DESTIN, FL 32541-3451 |
| Document Number | 0033430164 |
| Book / Page | 003343 / 000164 |
| Instrument Date | Mar 26, 2018 |
| Instrument | 3196850 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,644.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 4345 CARRIAGE LN DESTIN FL 325413451, DESTIN, FL 32541-3451 |
| Document Number | 33430166 |
|---|---|
| Date | Mar 27, 2018 |
| Book Page | 003343/000166 |
| Instrument | 3196851 |
| Name | REGIONS MTG |
|---|---|
| Type | Mortgage Company |
| Address | BIRMINGHAM, AL 35244 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 26, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
The 2025 property tax bill for 4345 Carriage Ln was $8,904.
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 | $8,904.00 | $846,715 Land $257,566 Building $589,149 | $846,715 Land $257,566 Building $589,149 |
| 2023 | $8,051.00 (+66.72%) | $757,377 (+55.56%) Land $226,897 Building $530,480 | $757,377 (+16.3%) Land $226,897 Building $530,480 |
| 2022 | $4,829.00 Homeowner's exemption | $486,870 | $651,223 Land $206,270 Building $444,953 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4345 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 1998) 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 4345 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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