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

Okaloosa County property record for 653 Carnathan Ct, Fort Walton Beach, FL 32547

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 776 sqft · built 1981
Lot Size	0.065 acres (2,825 sqft)
Owner	Company Name on Record
Last Sale	$205,000 (Jun 2026)
Tax Bill	$828 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Mar 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-597-6807-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-597-6807-7`
Alternative APNs	`33-1S-24-2061-000C-003B` `24S1332061000C003B`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	776 sqft Living Area
Gross Area	788 sqft
1st Floor Area	776 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	2,825 sqft (0.065 acres)
Lot Width	32 ft Width
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	653 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 S32 FT OF N82 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 June 25, 2026

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

Owner of Record	Company Name on Record
Mailing Address	5621 SIERRA TRAIL WAY, ANTIOCH, CA 94531
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Warranty Deed, Transfer · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC
Mar 30, 2026	Special Warranty Deed, Transfer · Commercial Mortgage RCN CAPITAL LLC
Jan 22, 2026	Trustee's Deed, Foreclosure
Feb 25, 2021	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2026 · Amount on Record
Deed Sale	Jun 11, 2026 · Amount on Record
Prior Sale	Mar 30, 2026 · Amount on Record
Deed Document Number	20263821876
Prior Transfer Date	Mar 12, 2009
Prior Transfer Doc	0028793289
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jun 11, 2026
Property Address	653 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1063
Document Number	0003821876
Instrument Date	Jun 5, 2026
Instrument	20263821876
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	SOUTH OAK TITLE LLC, SOUTH OAK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$144,935.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	0003821877,
Date	Jun 11, 2026
Instrument	20263821877

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

March 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 30, 2026
Property Address	653 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1063
Document Number	0003807244
Map Reference	MB 5 PG 119
Instrument Date	Mar 4, 2026
Instrument	3807244
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	MORTGAGE CONNECT LP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$738.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6555 EXCELLENCE WAY, PLANO, TX 75023-1202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 MARY ESTHER CUT OFF NW # BMP392, BMP392, FORT WALTON BEACH, FL 32548-4080

Mortgage

Document Number	0003807245
Date	Mar 30, 2026
Instrument	3807245

Lender

Name	RCN CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Jan 1, 2027

January 2026: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jan 22, 2026
Property Address	653 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1063
Document Number	0003794771
Map Reference	MB 5 PG 119
Instrument Date	Jan 16, 2026
Instrument	3794771
Transaction Type	Foreclosure
Record Updated	Feb 10, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5000 PLANO PKWY, CARROLLTON, TX 75010-4900
Investor	Possibly a Property Investor

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Feb 25, 2021
Property Address	653 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1063
Document Number	0035281624
Book / Page	3528 / 1624
Map Reference	MB 5 PG 119
Instrument Date	Feb 23, 2021
Instrument	3433250
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	MEAD LAW AND TITLE, MEAD LAW AND TITLE PLLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14727 HARLEQUIN DUCK, 14727, SAN ANTONIO, TX 78253-6599

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1063

Mortgage

Document Number	0035281626
Date	Feb 25, 2021
Instrument	3528/1626

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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	$828.00 (+7.81%) Homeowner's exemption	$107,024 (+5.99%)	$115,522 (+4.76%) Land $35,000 Building $80,522
2023	$768.00 (-37.2%) Homeowner's exemption	$100,979 (+3%)	$110,271 (+12.48%) Land $31,000 Building $79,271
2022	$1,223.00	$98,038 Land $31,000 Building $67,038	$98,038 Land $31,000 Building $67,038

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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