107 E Bermuda Dr, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 107 E Bermuda Dr, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	5 bd · 7 ba · 4,480 sqft · built 2000
Lot Size	0.314 acres (13,692 sqft)
Owner	Individual Name on File
Last Sale	$3,775,000 (Jan 2026)
Tax Bill	$20,583 (2024)
Deeds & Mortgages	Jan 2026 Sale Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-3S-20-34700-000-0840`

Property Details

APN / Parcel Number

Primary APN	`12-3S-20-34700-000-0840`
Alternative APN	`1017843`

Interior

Bedrooms	5 Beds
Full Baths	7 Baths
Stories	3 Stories
Building Area	4,480 sqft Living Area
Gross Area	6,902 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2008
Exterior Material	Wood Siding
Roof Type	Cathedral/Clerestory
Roof Material	Tin
Lot Area	13,692 sqft (0.314 acres)
Garage Type	Finished
Garage Area	582 sqft

Exterior Amenities

Porch	Porch
Porch Area	1,398 sqft
Deck Area	Deck Area
Patio Area	442 sqft
Fence	Fence
Arbor/Pergola	Arbor/Pergola

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1017843
Street Address	107 E BERMUDA DR
City	SANTA ROSA BEACH
State	FL
Zip	32459-7522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 84 THE RETREAT S/D PB 14-4 OR 2136-214 OR 2522-1257 OR 2522-1259 OR 2697-813 OR 3162-541
Legal Range	20W
Legal Township	03S
Legal Section	12
Legal Subdivision	THE RETREAT S/D
Legal Lot Number	84
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1035
Census Tract	950606

Owner

107 E Bermuda Dr is owned and occupied by an individual who bought it in January 2026.

Source: Walton County records, as of February 5, 2026

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 File
Co-owner	Co-owner on File
Mailing Address	943 KENNESAW DUE WEST RD NW, KENNESAW, GA 30152-4621
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2026	Warranty Deed, Transfer ELIM TITLE LLC, RELI TITLE LLC
Oct 1, 2020	Warranty Deed, Transfer · Conventional Mortgage KEY BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2026 · Amount on File
Deed Sale	Jan 21, 2026 · Amount on File
Prior Sale	Oct 1, 2020 · Amount on File
Deed Document Number	20260002431
Deed Book / Page	3384 / 4345
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 21, 2026
Property Address	107 E BERMUDA DR, SANTA ROSA BEACH, FL 32459-7522
Document Number	0033844345
Book / Page	3384 / 4345
Map Reference	MB 14 PG 4-4A
Instrument Date	Jan 21, 2026
Instrument	20260002431
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	ELIM TITLE LLC, RELI TITLE LLC

Transaction

Amount	Amount on Record
Tax	$26,425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1803 BAYTOWNE AVE N, MIRAMAR BEACH, FL 32550-7801

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	943 KENNESAW DUE WEST RD NW, KENNESAW, GA 30152-4621

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 1, 2020
Property Address	107 E BERMUDA DR, SANTA ROSA BEACH, FL 32459-7522
Document Number	0031620541
Book / Page	3162 / 541
Map Reference	MB 14 PG 4
Instrument Date	Sep 30, 2020
Instrument	20200038551
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$17,465.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 E BERMUDA DR, 107, SANTA ROSA BEACH, FL 32459-7522

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	250 HOMESTEAD DR, FREDERICKSBURG, TX 78624-7344

Mortgage

Document Number	0003162543
Date	Oct 1, 2020
Instrument	3162/543

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.37%
Index	1-Year LIBOR
Max Rate	7.37%

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		$4,837,834 Land $992,250 Building $3,845,584	$4,837,834 Land $992,250 Building $3,845,584
2024	$20,583.00 (+3.6%)
2023	$19,867.00 (+1.04%) Homeowner's exemption	$3,512,879 (+6.56%) Land $681,345 Building $2,831,534	$3,512,879 (+6.56%) Land $681,345 Building $2,831,534
2022	$19,662.00 Homeowner's exemption	$3,296,661 Land $756,293 Building $2,540,368	$3,296,661 Land $756,293 Building $2,540,368

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

Flood

FEMA maps place 107 E Bermuda Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 413 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	725 units insured incl. 312 condo units
Nearby Flood Claims	12 (2005–2025)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 3 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 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

Wildfire risk around 107 E Bermuda Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	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	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 369 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
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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