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

Okaloosa County property record for 651 Carnathan Ct, Fort Walton Beach, FL 32547

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,114 sqft · built 1981
Lot Size	0.097 acres (4,241 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Nov 2019)
Tax Bill	$1,441 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-597-6806-9`

Property Details

APN / Parcel Number

Primary APN	`C56-000-597-6806-9`
Alternative APNs	`33-1S-24-2061-000C-003A` `24S1332061000C003A`

Interior

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	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2000
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	4,241 sqft (0.097 acres)
Lot Width	38 ft Width
Garage Type	Carport
Carport	Carport
Porch	Finished/Open Porch
Porch Area	12 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	651 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 S48 FT LOT 3 BLK C
Legal Range	24W
Legal Township	01S
Legal Section	33
Legal Subdivision	PINE MEADOWS 1ST ADD
Legal Block	C
Legal Lot Number	3
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	651 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1063
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2021	Affidavit of Death of Joint Tenant, Transfer · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Sep 2, 2020	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Nov 27, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Jan 11, 2019	Warranty Deed, Transfer BURTON LAW AND TITLE, BURTON LAW & TITLE PL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2019 · Amount on Record
Deed Sale	Nov 27, 2019 · Amount on Record
Prior Sale	Aug 30, 2016 · Amount on Record
Deed Document Number	20193320905
Deed Book / Page	3431 / 200
Last Transfer Date	Aug 13, 2021
Transfer Doc	0035683682
Record Updated	Oct 29, 2026

August 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	OKALOOSA FL
Recording Date	Aug 23, 2021
Property Address	651 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1063
Document Number	0035683682
Book / Page	3568 / 3682
Map Reference	MB 5 PG 119
Instrument Date	Aug 13, 2021
Instrument	3482358
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1063

Mortgage

Document Number	0035683685
Date	Aug 23, 2021
Book Page	3568/3685
Instrument	3482359

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	651 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1063
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034883788
Date	Sep 2, 2020
Book Page	3488/3788
Instrument	3387652

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Nov 27, 2019
Property Address	651 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1063
Document Number	0034310200
Book / Page	003431 / 000200
Instrument Date	Nov 25, 2019
Instrument	3320905
Transaction Type	Transfer
Record Updated	Dec 18, 2019
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	651 CARNATHAN CT FORT WALTON BEACH FL 325471063, FORT WALTON BEACH, FL 32547-1063

Mortgage

Document Number	34310202
Date	Nov 27, 2019
Book Page	003431/000202
Instrument	3320906

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 11, 2019
Property Address	651 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1063
Document Number	0033812385
Book / Page	003381 / 002385
Instrument Date	Nov 12, 2018
Instrument	3252990
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	BURTON LAW AND TITLE, BURTON LAW & TITLE PL

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	651 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

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	$1,441.00 (+24.76%) Homeowner's exemption	$156,967 (+18.69%)	$186,951 (+13.48%) Land $40,250 Building $146,701
2023	$1,155.00 (+3.31%) Homeowner's exemption	$132,250 (+3%)	$164,749 (+13.33%) Land $35,650 Building $129,099
2022	$1,118.00 Homeowner's exemption	$128,398	$145,366 Land $35,650 Building $109,716

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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