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

Okaloosa County property record for 649 Carnathan Ct, Fort Walton Beach, FL 32547

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,114 sqft · built 1981
Lot Size0.102 acres (4,459 sqft)
OwnerIndividual Name on Record
Last Sale$133,000 (Aug 2026)
Tax Bill$1,029 (2025)
Deeds & MortgagesAug 2026 Sale
Oct 2020 Sale
Flood ZoneZone X (minimal risk)
APNC56-000-597-6808-5

Property Details

APN / Parcel Number

Primary APNC56-000-597-6808-5
Alternative APNs
  • 33-1S-24-2061-000C-0040
  • 24S1332061000C0040

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,114 sqft Living Area
Gross Area1,315 sqft
1st Floor Area1,114 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1981
Architectural StyleTownhouse
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area4,459 sqft (0.102 acres)
PorchPatio
Porch Area111 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address649 CARNATHAN CT
CityFORT WALTON BEACH
StateFL
Zip32547-1063
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPINE MEADOWS 1ST ADD N50.5 FT LOT 4 BLK C
Legal Range24W
Legal Township01S
Legal Section33
Legal SubdivisionPINE MEADOWS 1ST ADD
Legal BlockC
Legal Lot Number4
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group1
Census Block1000
Census Tract21801

Owner

Source: Okaloosa County records, as of September 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address13 MARLBOROUGH RD, SHALIMAR, FL 32579-1039
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 18, 2026Warranty Deed, Transfer
MEAD LAW AND TITLE, MEAD LAW & TITLE
Oct 1, 2020Warranty Deed, Transfer
MEAD LAW AND TITLE, MEAD LAW & TITLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 18, 2026 · Amount on Record
Deed SaleAug 18, 2026 · Amount on Record
Prior SaleOct 1, 2020 · Amount on Record
Deed Document Number20263833856
Record UpdatedOct 29, 2026

August 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateAug 18, 2026
Property Address649 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1063
Document Number0003833856
Instrument DateAug 17, 2026
Instrument20263833856
Transaction TypeTransfer
Record UpdatedSep 9, 2026
Title CompanyMEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

AmountAmount Recorded
Tax$94,031.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address13 MARLBOROUGH RD, SHALIMAR, FL 32579-1039

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateOct 1, 2020
Property Address649 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1063
Document Number0034954920
Book / Page003495 / 004920
Instrument DateSep 30, 2020
Instrument3395429
Transaction TypeTransfer
Record UpdatedOct 20, 2020
Title CompanyMEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

AmountAmount Recorded
Tax$1,048.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address649 CARNATHAN CT FORT WALTON BEACH FL 325471063, FORT WALTON BEACH, FL 32547-1063

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,029.00 (+7.41%)$123,348 (+5.99%)$161,564 (+3.41%) Land $40,250 Building $121,314
2023$958.00 (+3.57%) Homeowner's exemption$116,381 (+3%)$156,241 (+13.52%) Land $35,650 Building $120,591
2022$925.00 Homeowner's exemption$112,991$137,631 Land $35,650 Building $101,981

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 47 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies77 units insured
incl. 30 condo units
Nearby Flood Claims37 (1988–2026)
Claims Outside the SFHA37 of 37
Most Recent ClaimAug 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 RiskModerate
above 43% of the US · lower than 85% of Florida
Wildfire Likelihood0.06% annual chance
ExposureIndirect
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 SystemOKALOOSA CO.WTR.; SWR.SYSTEM
serves 80,295 people · EPA ID FL1460506
Water SourceGroundwater
Last State InspectionApr 2023
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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