101 Whalebone Aly, Inlet Beach, FL 32461 Property Records

Walton County property record for 101 Whalebone Aly, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,749 sqft · built 2020
Lot Size	0.114 acres (4,966 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,911,300 (Oct 2020)
Tax Bill	$41,137 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`27-3S-18-16439-00M-0040`

Property Details

APN / Parcel Number

Primary APN	`27-3S-18-16439-00M-0040`
Alternative APNs	`27-318-16439-00M-0040` `1086859`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,749 sqft Living Area
Gross Area	5,933 sqft
1st Floor Area	1,893 sqft
Flooring	Wood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	4,966 sqft (0.114 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	552 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	101 WHALEBONE ALY
City	INLET BEACH
State	FL
Zip	32461-8257
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TND
Legal Description	LOT 4 BLK M ALYS BEACH BLOCK M PB 20-95 OR 3162-2551
Legal Range	018
Legal Township	03S
Legal Section	27
Legal Subdivision	ALYS BEACH
Legal Block	M
Legal Lot Number	4
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1001
Census Tract	950611

Owner

Source: Walton County records, as of September 29, 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	101 WHALEBONE ALY, INLET BEACH, FL 32461-8257
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Oct 5, 2020	Grant Deed, Transfer RELI TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2020 · Amount on Record
Deed Sale	Oct 5, 2020 · Amount on Record
Deed Document Number	202038962
Deed Book / Page	3162 / 2551
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Recording Date	Sep 16, 2026
Property Address	101 WHALEBONE ALY, INLET BEACH, FL 32461-8257
Document Number	0000038233
Book / Page	3412 / 4522
Instrument Date	Aug 28, 2026
Instrument	202638233
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 WHALEBONE ALY, INLET BEACH, FL 32461-8257

Mortgage

Document Number	0000038233,
Date	Sep 16, 2026
Book Page	3412/4522
Instrument	202638233

Lender

Name	FIRST HORIZON BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 2, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	Oct 5, 2020
Property Address	101 WHALEBONE ALY, INLET BEACH, FL 32461-8257
Document Number	0031622551
Book / Page	003162 / 002551
Instrument Date	Sep 15, 2020
Instrument	38962
Transaction Type	Transfer
Record Updated	Oct 29, 2020
Title Company	RELI TITLE

Transaction

Amount	Amount Recorded
Tax	$27,379.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4736 WOODLAKE DR BATON ROUGE LA 708171830, BATON ROUGE, LA 70817-1830

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$41,137.00 Homeowner's exemption	$4,218,163 (+1.82%)	$5,902,679 (+42.48%) Land $855,000 Building $5,047,679
2023	$40,578.00 (-9.53%) Homeowner's exemption	$4,142,867 (-8.54%) Land $855,000 Building $3,287,867	$4,142,867 (-8.54%) Land $855,000 Building $3,287,867
2022	$44,851.00 Homeowner's exemption	$4,529,949 Land $689,910 Building $3,840,039	$4,529,949 Land $689,910 Building $3,840,039

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 June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 846 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,737 units insured incl. 891 condo units
Nearby Flood Claims	9 (2004–2020)
Claims Outside the SFHA	4 of 9
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims Hurricane Frances, Sep 2004 · 2 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 63% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: WOW Internet, Cable & Phone.

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