Okaloosa County property record for 640 Carnathan Ct, Fort Walton Beach, FL 32547
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 1 ba · 928 sqft · built 1984 |
| Lot Size | 0.06 acres (2,620 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $200,000 (Jul 2024) |
| Tax Bill | $1,858 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Jul 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-597-6694-9 |
| Primary APN | C56-000-597-6694-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 928 sqft Heated Area |
| Gross Area | 943 sqft |
| 1st Floor Area | 928 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Custom/Decorative |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 2,620 sqft (0.06 acres) |
| Porch | Open Porch |
| Porch Area | 15 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 640 CARNATHAN CT |
|---|---|
| City | FORT WALTON BEACH |
| State | FL |
| Zip | 32547-1061 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | PINE RUN UNIT 18 |
| Legal Range | 24 |
| Legal Township | 01S |
| Legal Section | 33 |
| Legal Subdivision | PINE RUN |
| Legal Unit | 18 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 21801 |
Source: Okaloosa County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 640 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1061 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 19, 2022 | Warranty Deed, Transfer · VA Mortgage PRIMELENDING |
| Jul 20, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 23, 2024 · Amount on Record |
| Deed Sale | Jul 23, 2024 · Amount on Record |
| Prior Sale | May 19, 2022 · Amount on Record |
| Deed Document Number | 3700896 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | May 19, 2022 |
| Property Address | 640 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1061 |
| Document Number | 0036224220 |
| Book / Page | 3622 / 4220 |
| Map Reference | MB 7 PG 66 |
| Instrument Date | May 13, 2022 |
| Instrument | 3551361 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2022 |
| Title Company | OLD SOUTH LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,302.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 105 BROOKS ST SE UNIT 2, 105, FORT WALTON BEACH, FL 32548-5859 |
| Name | Verified Name |
|---|---|
| Address | 640 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1061 |
| Document Number | 0036224224 |
|---|---|
| Date | May 19, 2022 |
| Instrument | 3622/4224 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 20, 2017 |
| Property Address | 640 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1061 |
| Document Number | 0033092079 |
| Book / Page | 003309 / 002079 |
| Instrument Date | Jul 12, 2017 |
| Instrument | 3148595 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 105 BROOKS ST SE #5 FORT WALTON BEACH FL 325485859, 5, FORT WALTON BEACH, FL 32548-5859 |
Source: Okaloosa County assessment roll, as of July 1, 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 | $1,858.00 (+47.34%) | $151,473 (+7.54%) Land $35,000 Building $116,473 | $151,473 (+7.54%) Land $35,000 Building $116,473 |
| 2023 | $1,261.00 (+17.08%) Homeowner's exemption | $140,854 (+40.87%) Land $27,000 Building $113,854 | $140,854 (+40.87%) Land $27,000 Building $113,854 |
| 2022 | $1,077.00 | $99,990 Land $27,000 Building $72,990 | $99,990 Land $27,000 Building $72,990 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|
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 | 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.
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 |
| 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 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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