102 Surfer Ln, Inlet Beach, FL 32461 Property Records

Walton County property record for 102 Surfer Ln, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,440 sqft · built 2014
Lot Size	0.078 acres (3,398 sqft)
Owner	Individual Name on File
Last Sale	$860,000 (May 2019)
Tax Bill	$11,415 (2024)
Deeds & Mortgages	Oct 2025 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-3S-18-16034-00T-0100`

Property Details

APN / Parcel Number

Primary APN	`26-3S-18-16034-00T-0100`
Alternative APN	`1053607`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,440 sqft Living Area
Gross Area	2,980 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2014
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,398 sqft (0.078 acres)
Lot Dimensions	10 ft deep x 3.4 ft wide
Garage Type	Finished
Garage Area	204 sqft
Porch	Porch
Porch Area	324 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1053607
Street Address	102 SURFER LN
City	INLET BEACH
State	FL
Zip	32461-6218
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 BLK T SEACREST BEACH PH 6 PB 15-40 OR 2489-489 OR 2909-3203 OR 2979-4626 OR 3104-2294
Legal Range	18W
Legal Township	03S
Legal Section	26
Legal Subdivision	SEACREST BEACH PH 6
Legal Phase	6
Legal Block	T
Legal Lot Number	10
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1001
Census Tract	950611

Owner

102 Surfer Ln is owned by an individual who bought it in May 2019.

Source: Walton County records, as of December 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4648 BILTMOORE DR, FRISCO, TX 75034-6852
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
May 3, 2019	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2019 · Amount on File
Deed Sale	May 3, 2019 · Amount on File
Prior Sale	Nov 21, 2017 · Amount on File
Deed Document Number	20190014168
Deed Book / Page	3104 / 2294
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	102 SURFER LN, INLET BEACH, FL 32461-6218
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4648 BILTMOORE DR, FRISCO, TX 75034-6852

Mortgage

Document Number	0033724464
Date	Oct 1, 2025
Book Page	3372/4464
Instrument	20250035735

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	102 SURFER LN, INLET BEACH, FL 32461-6218
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4648 BILTMOORE DR, FRISCO, TX 75034-6852

Mortgage

Document Number	0032110542
Date	Aug 10, 2021
Book Page	3211/542
Instrument	20210040063

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 3, 2019
Property Address	102 SURFER LN, INLET BEACH, FL 32461-6218
Document Number	0031042294
Book / Page	3104 / 2294
Map Reference	MB 15 PG 40&40A
Instrument Date	Apr 30, 2019
Instrument	20190014168
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	BLUE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,020.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 SAVANAH RDG, 2, METAIRIE, LA 70001-5463

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4648 BILTMOORE DR, FRISCO, TX 75034-6852

Mortgage

Document Number	0031042298
Date	May 3, 2019
Instrument	3104/2298

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$1,477,684 Land $451,500 Building $1,026,184	$1,477,684 Land $451,500 Building $1,026,184
2024	$11,415.00 (+2.1%)
2023	$11,180.00 (+8.92%)	$1,545,999 (+12.33%) Land $509,250 Building $1,036,749	$1,545,999 (+12.33%) Land $509,250 Building $1,036,749
2022	$10,264.00	$1,376,288 Land $467,366 Building $908,922	$1,376,288 Land $467,366 Building $908,922

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 102 Surfer Ln in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2004.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 102 Surfer Ln is moderate, ranking above 51% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.08% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	REGIONAL UTILITIES WATER SYSTEM private · serves 62,225 people · EPA ID FL1660596
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	2 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 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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