104 Riverbirch Loop, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 104 Riverbirch Loop, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,246 sqft · built 2013
Lot Size	0.233 acres (10,128 sqft)
Owner	2 Individual Names on Record
Last Sale	$339,900 (Dec 2016)
Tax Bill	$2,558 (2025)
Deeds & Mortgages	Aug 2022 Transfer Jan 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`13-2S-21-42020-000-0285`

Property Details

APN / Parcel Number

Primary APN	`13-2S-21-42020-000-0285`
Alternative APNs	`13-221-42020-000-0285` `1018800`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,246 sqft Living Area
Gross Area	2,991 sqft
1st Floor Area	1,994 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	10,128 sqft (0.233 acres)
Lot Dimensions	149 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	511 sqft
Porch	Enclosed/Finished Porch
Porch Area	234 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	104 RIVERBIRCH LOOP
City	SANTA ROSA BEACH
State	FL
Zip	32459-8051
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 285 DRIFTWOOD ESTATES PH IIC S/D PB 17-47 OR 2842-3384 OR 2855-101 OR 2880-4219 OR 2900-3008 OR 2919-726 OR 3029-3094 OR 3265-167
Legal Range	021
Legal Township	02S
Legal Section	13
Legal Subdivision	DRIFTWOOD ESTATES PH IIC
Legal Phase	2C
Legal Block	2
Legal Lot Number	285
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1007
Census Tract	950607

Owner

Source: Walton County records, as of March 6, 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	104 RIVERBIRCH LOOP, SANTA ROSA BEACH, FL 32459-8051
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Jan 4, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE LLC
Oct 16, 2019	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2016 · Amount on Record
Deed Sale	Dec 29, 2016 · Amount on Record
Prior Sale	May 6, 2013 · Amount on Record
Deed Document Number	201642122
Deed Book / Page	3029 / 3094
Last Transfer Date	Jul 8, 2022
Transfer Doc	0032650167
Record Updated	Jun 8, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Aug 31, 2022
Property Address	104 RIVERBIRCH LOOP, SANTA ROSA BEACH, FL 32459-8051
Document Number	0032650167
Book / Page	3265 / 167
Map Reference	MB 17 PG 47-47G
Instrument Date	Jul 8, 2022
Instrument	20220039315
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 RIVERBIRCH LOOP, 104, SANTA ROSA BEACH, FL 32459-8051

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	104 RIVERBIRCH LOOP, SANTA ROSA BEACH, FL 32459-8051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	104 RIVERBIRCH LOOP, SANTA ROSA BEACH, FL 32459-8051
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 RIVERBIRCH LOOP, SANTA ROSA BEACH, FL 32459-8051

Mortgage

Document Number	0031770199
Date	Jan 4, 2021
Book Page	3177/199
Instrument	20210000059

Lender

Name	UNITED WHOLESALE MORTGAGE LLC
Address	PONTIAC, MI 48341

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	104 RIVERBIRCH LOOP, SANTA ROSA BEACH, FL 32459-8051
Document Number	0031213666
Instrument Date	Oct 16, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	104 RIVERBIRCH LOOP SANTA ROSA BEACH FL 324598051, SANTA ROSA BEACH, FL 32459-8051

Mortgage

Document Number	0031213666
Date	Oct 22, 2019
Book Page	003121/003666
Instrument	36816

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2049

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	$2,558.00 (+2.12%)	$326,750 (-34.71%)	$477,439 (-4.59%) Land $45,000 Building $432,439
2024	$2,505.00 (+4.07%)
2023	$2,407.00 (+1.43%) Homeowner's exemption	$500,428 (+10.36%) Land $44,754 Building $455,674	$500,428 (+10.36%) Land $44,754 Building $455,674
2022	$2,373.00 Homeowner's exemption	$453,432 Land $49,676 Building $403,756	$453,432 Land $49,676 Building $403,756

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 417 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	417 in force
Nearby Flood Claims	6 (2004–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 4 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	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615
Water Source	Groundwater
Last State Inspection	Feb 2026
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 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, Wildstar Networks.

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