Okaloosa County property record for 645 Carnathan Ct, Fort Walton Beach, FL 32547
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,114 sqft · built 1981 |
| Lot Size | 0.107 acres (4,655 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,546 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-597-6810-1 |
| Primary APN | C56-000-597-6810-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,114 sqft Living Area |
| Gross Area | 1,216 sqft |
| 1st Floor Area | 1,114 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Townhouse |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,655 sqft (0.107 acres) |
| Lot Width | 51 ft Width |
| Porch | Finished/Open Porch |
| Porch Area | 12 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 645 CARNATHAN CT |
|---|---|
| City | FORT WALTON BEACH |
| State | FL |
| Zip | 32547-1063 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINE MEADOWS 1ST ADD S51.14 FT LOT 4 BLK C |
| Legal Range | 24W |
| Legal Township | 01S |
| Legal Section | 33 |
| Legal Subdivision | PINE MEADOWS 1ST ADD |
| Legal Block | C |
| Legal Lot Number | 4 |
| 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 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 | 193 COUNTRY CLUB RD, SHALIMAR, FL 32579-1646 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 14, 2016 |
| Transfer Doc | 0032430414 |
| Record Updated | Oct 29, 2026 |
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 | $1,546.00 (+11.79%) | $149,407 (+6.48%) Land $40,250 Building $109,157 | $149,407 (+6.48%) Land $40,250 Building $109,157 |
| 2023 | $1,383.00 (+10.46%) | $140,316 (+13.01%) Land $35,650 Building $104,666 | $140,316 (+13.01%) Land $35,650 Building $104,666 |
| 2022 | $1,252.00 | $124,163 Land $35,650 Building $88,513 | $124,163 Land $35,650 Building $88,513 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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