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

Okaloosa County property record for 655 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	0.098 acres (4,280 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Dec 2022)
Tax Bill	$1,540 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-597-6805-1`

Property Details

APN / Parcel Number

Primary APN	`C56-000-597-6805-1`
Alternative APNs	`33-1S-24-2061-000C-0030` `24S1332061000C0030`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,114 sqft Living Area
Gross Area	1,356 sqft
1st Floor Area	1,114 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	4,280 sqft (0.098 acres)
Lot Width	50 ft Width
Porch	Open/Unfinished Porch
Porch Area	12 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	655 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 N50 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 January 16, 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	1359 PONY ST, RIDGECREST, CA 93555-7947
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2022	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
May 18, 2020	Warranty Deed, Transfer · VA Mortgage INTERLINC MORTGAGE SERVICES LLC
Apr 3, 2018	Warranty Deed, Transfer · VA Mortgage FIDELITY BK/MI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2022 · Amount on Record
Deed Sale	Dec 29, 2022 · Amount on Record
Prior Sale	May 18, 2020 · Amount on Record
Deed Document Number	20223598373
Deed Book / Page	3656 / 3136
Prior Transfer Date	Sep 15, 2014
Prior Transfer Doc	0031641005
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Dec 29, 2022
Property Address	655 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1063
Document Number	0036563136
Book / Page	3656 / 3136
Map Reference	MB 5 PG 119
Instrument Date	Dec 14, 2022
Instrument	3598373
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1214 DOLTON DR, DALLAS, TX 75207-2193

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1359 PONY ST, RIDGECREST, CA 93555-7947

Mortgage

Document Number	0036563138
Date	Dec 29, 2022
Instrument	3656/3138

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	May 18, 2020
Property Address	655 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1063
Document Number	0034622638
Book / Page	3462 / 2638
Map Reference	MB 5 PG 119
Instrument Date	May 15, 2020
Instrument	3358663
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$854.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	392 PRISTINE WATER LN, 392, MARY ESTHER, FL 32569-2174

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1063

Mortgage

Document Number	0034622640
Date	May 18, 2020
Instrument	3462/2640

Lender

Name	INTERLINC MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 3, 2018
Property Address	655 CARNATHAN CT, FORT WALTON BEACH, FL 32547-1063
Document Number	0033440161
Book / Page	003344 / 000161
Instrument Date	Mar 29, 2018
Instrument	3198115
Transaction Type	Transfer
Record Updated	May 3, 2018
Title Company	MEAD LAW AND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$619.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 PINE CONE CT FL, FL

Mortgage

Document Number	33440163
Date	Apr 3, 2018
Book Page	003344/000163
Instrument	3198116

Lender

Name	FIDELITY BK/MI
Type	Bank
Address	MANDEVILLE, LA 70471

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2048

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	$1,540.00 (+6.94%) Homeowner's exemption	$164,999 (+6.27%) Land $40,250 Building $124,749	$164,999 (+6.27%) Land $40,250 Building $124,749
2023	$1,440.00 (-9.49%) Homeowner's exemption	$155,268 (+13.49%) Land $35,650 Building $119,618	$155,268 (+13.49%) Land $35,650 Building $119,618
2022	$1,591.00	$136,809 Land $35,650 Building $101,159	$136,809 Land $35,650 Building $101,159

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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