638 Carnathan Ct, Fort Walton Beach, FL 32547 Property Records

Okaloosa County property record for 638 Carnathan Ct, Fort Walton Beach, FL 32547

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 800 sqft · built 1984
Lot Size	0.085 acres (3,681 sqft)
Owner	2 Individual Names on Record
Last Sale	$155,000 (Feb 2022)
Tax Bill	$1,109 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-597-6693-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-597-6693-1`
Alternative APNs	`33-1S-24-2022-0000-0170` `24S133202200000170`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	800 sqft Living Area
Gross Area	864 sqft
1st Floor Area	800 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	3,681 sqft (0.085 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	638 CARNATHAN CT
City	FORT WALTON BEACH
State	FL
Zip	32547-1061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE RUN UNIT 17
Legal Range	24W
Legal Township	01S
Legal Section	33
Legal Subdivision	PINE RUN
Legal Lot Number	170
Legal Unit	17
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	1
Census Block	1000
Census Tract	21801

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	638 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1061
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2017	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO
Feb 4, 2022	Warranty Deed, Transfer · FHA Mortgage PACIFIC SUN MORTGAGE
Jul 17, 2019	Warranty Deed, Transfer · FHA Mortgage UNIVERSITY LENDING GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2022 · Amount on Record
Deed Sale	Feb 4, 2022 · Amount on Record
Prior Sale	Jul 17, 2019 · Amount on Record
Deed Document Number	20223524671
Deed Book / Page	3602 / 4390
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	638 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1061
Transaction Type	Mortgage
Record Updated	Mar 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033230016
Date	Oct 23, 2017
Book Page	3323/0016
Instrument	3167972

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 4, 2022
Property Address	638 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1061
Document Number	0036024390
Book / Page	3602 / 4390
Map Reference	MB 7 PG 66
Instrument Date	Jan 28, 2022
Instrument	3524671
Transaction Type	Transfer
Record Updated	Mar 8, 2022
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,085.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3772 ZION HILL RD, 3772, MILLWOOD, GA 31552-9339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1061

Mortgage

Document Number	0036024392
Date	Feb 4, 2022
Instrument	3602/4392

Lender

Name	PACIFIC SUN MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 17, 2019
Property Address	638 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1061
Document Number	0034091985
Book / Page	3409 / 1985
Map Reference	MB 7 PG 66
Instrument Date	Jul 16, 2019
Instrument	3291870
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$819.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1701 STATE ROAD 85 N, 1701, EGLIN AFB, FL 32542-1498

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1061

Mortgage

Document Number	0034091987
Date	Jul 17, 2019
Instrument	3409-1987

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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	$1,109.00 (+7.15%) Homeowner's exemption	$129,896 (+5.99%)	$131,344 (+7.17%) Land $35,000 Building $96,344
2023	$1,035.00 (+56.11%) Homeowner's exemption	$122,558 (+33.24%) Land $27,000 Building $95,558	$122,558 (+13.69%) Land $27,000 Building $95,558
2022	$663.00 Homeowner's exemption	$91,984	$107,800 Land $27,000 Building $80,800

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 47 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	77 units insured incl. 30 condo units
Nearby Flood Claims	37 (1988–2026)
Claims Outside the SFHA	37 of 37
Most Recent Claim	Aug 2026
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 11 claims Hurricane Georges, Sep 1998 · 3 claims

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	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within 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	OKALOOSA CO.WTR.; SWR.SYSTEM serves 80,295 people · EPA ID FL1460506
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	3 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 622 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: LiveOak Fiber.

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