1040 Allen Loop Dr, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 1040 Allen Loop Dr, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,110 sqft · built 1989
Lot Size	0.355 acres (15,507 sqft)
Owner	Individual Name on Record
Last Sale	$645,000 (Mar 2020)
Tax Bill	$8,943 (2024)
Deeds & Mortgages	Jan 2022 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-3S-20-34050-005-0170`

Property Details

APN / Parcel Number

Primary APN	`04-3S-20-34050-005-0170`
Alternative APN	`1007653`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,110 sqft Living Area
Gross Area	5,559 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2000
Exterior Material	Other
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	15,507 sqft (0.355 acres)
Lot Dimensions	11.8 ft deep x 13.5 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Porch
Porch Area	1,606 sqft
Deck Area	Deck Area
Patio Area	322 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1007653
Street Address	1040 ALLEN LOOP DR
City	SANTA ROSA BEACH
State	FL
Zip	32459-4151
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 BLK 5 DUNE ALLEN S/D PB 2-44 OR 1020-211 OR 2956-2544 &-2546 OR 3138-1984
Legal Range	20W
Legal Township	03S
Legal Section	04
Legal Subdivision	DUNE ALLEN S/D
Legal Block	5
Legal Lot Number	17
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	3
Census Block	3017
Census Tract	950604

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	7403 PARK RIDGE DR, AMARILLO, TX 79119-6419
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Mar 31, 2020	Warranty Deed, Transfer · Conventional Mortgage KEYSTONE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2020 · Amount on Record
Deed Sale	Mar 31, 2020 · Amount on Record
Deed Document Number	20200011528
Deed Book / Page	3138 / 1984
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	1040 ALLEN LOOP DR, SANTA ROSA BEACH, FL 32459-4151
Transaction Type	Mortgage
Record Updated	Feb 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7403 PARK RIDGE DR, AMARILLO, TX 79119-6419

Mortgage

Document Number	0032330971
Date	Jan 3, 2022
Book Page	3233/971
Instrument	20220000205

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jan 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.75%
Index	Other
Max Rate	7.75%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 31, 2020
Property Address	1040 ALLEN LOOP DR, SANTA ROSA BEACH, FL 32459-4151
Document Number	0031381984
Book / Page	3138 / 1984
Map Reference	MB 2 PG 44
Instrument Date	Mar 23, 2020
Instrument	20200011528
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,515.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9850 S THOMAS DR # DR1111, 9850, PANAMA CITY BEACH, FL 32408-4248

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7403 PARK RIDGE DR, AMARILLO, TX 79119-6419

Mortgage

Document Number	0031381986
Date	Mar 31, 2020
Instrument	3138/1986

Lender

Name	KEYSTONE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Apr 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Margin	3
Max Rate	8.75%

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		$1,056,398 (-6.13%) Land $385,250 Building $671,148	$1,056,398 (-6.13%) Land $385,250 Building $671,148
2024	$8,943.00 (+10.46%)
2023	$8,096.00 (+9.23%)	$1,125,348 (+12.84%) Land $266,512 Building $858,836	$1,125,348 (+12.84%) Land $266,512 Building $858,836
2022	$7,412.00	$997,253 Land $228,660 Building $768,593	$997,253 Land $228,660 Building $768,593

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 223 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	235 units insured incl. 12 condo units
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2020 · Hurricane Sally

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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% 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	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 170 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	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Wildstar Networks.

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