Walton County property record for 109 Kaiya Ave, Inlet Beach, FL 32461
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 4,455 sqft · built 2020 |
| Lot Size | 0.175 acres (7,623 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $4,900,000 (Sep 2024) |
| Tax Bill | $38,372 (2024) |
| Deeds & Mortgages | Oct 2021 Line of Credit Sep 2024 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-3S-18-16810-000-0300 |
| Primary APN | 27-3S-18-16810-000-0300 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 4,455 sqft Living Area |
| Gross Area | 7,630 sqft |
| Interior Walls | Paneling |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood Shingle |
| Lot Area | 7,623 sqft (0.175 acres) |
| Lot Dimensions | 14 ft deep x 5.5 ft wide |
| Garage Type | Finished |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 109 KAIYA AVE |
|---|---|
| City | INLET BEACH |
| State | FL |
| Zip | 32461-8263 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 30 KAIYA BEACH RESORT PH 1 PB 21-31 OR 3100-3925 OR 3178-2812 OR 3336-959 |
| Legal Range | 18W |
| Legal Township | 03S |
| Legal Section | 27 |
| Legal Phase | 1 |
| Legal Lot Number | 30 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 950611 |
Source: Walton County records, as of December 17, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 70BAHIA BEACH BLVD RIO GRANDE PR 00745, XX |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 7, 2021 | Deed of Trust, Mortgage · Line of Credit WATERMAN BANK |
| Sep 16, 2024 | Warranty Deed, Transfer · Conventional Mortgage NQM FUNDING LLC |
| Jan 13, 2021 | Special Warranty Deed, Transfer BURKE LAW AND TITLE LLC |
| Jan 13, 2021 | Special Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Mar 28, 2019 | Grant Deed, Transfer · Line of Credit SMARTBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2024 · Amount on Record |
| Deed Sale | Sep 16, 2024 · Amount on Record |
| Prior Sale | Jan 13, 2021 · Amount on Record |
| Deed Document Number | 0003336959 |
| Deed Book / Page | 3336 / 959 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 109 KAIYA AVE, INLET BEACH, FL 32461-8263 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1801 HUNTINGTON ST, MIDLAND, TX 79705-8411 |
| Document Number | 0032194265 |
|---|---|
| Date | Oct 7, 2021 |
| Book Page | 3219/4265 |
| Instrument | 20210050352 |
| Name | WATERMAN BANK |
|---|---|
| Type | Bank |
| Address | WATERMAN, IL 60556 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 30, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Sep 16, 2024 |
| Property Address | 109 KAIYA AVE, INLET BEACH, FL 32461-8263 |
| Document Number | 0033360959 |
| Book / Page | 3336 / 959 |
| Map Reference | MB 21 PG 31 |
| Instrument Date | Sep 16, 2024 |
| Instrument | 20240032584 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | RODGERS-KIEFER TITLE, RODGERS KIEFER TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $34,300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5013 WOODHOLLOW DR, MIDLAND, TX 79707-2636 |
| Name | Verified Name |
|---|---|
| Address | 7000 BAHIA BEACH BLVD, MIDLAND, TX 79707 |
| Document Number | 0003336962 |
|---|---|
| Date | Sep 16, 2024 |
| Instrument | 3336/962 |
| Name | NQM FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2054 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jan 13, 2021 |
| Property Address | 109 KAIYA AVE, INLET BEACH, FL 32461-8263 |
| Document Number | 0031782812 |
| Book / Page | 3178 / 2812 |
| Map Reference | MB 21 PG 31 |
| Instrument Date | Jan 8, 2021 |
| Instrument | 20210001849 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | BURKE LAW AND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $24,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13123 E EMERALD COAST PKWYB, 13123, INLET BEACH, FL 32461 |
| Name | Verified Name |
|---|---|
| Address | 1801 HUNTINGTON ST, MIDLAND, TX 79705-8411 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jan 13, 2021 |
| Property Address | 109 KAIYA AVE, INLET BEACH, FL 32461-8263 |
| Document Number | 0031782812 |
| Book / Page | 3178 / 2812 |
| Map Reference | MB 21 PG 31 |
| Instrument Date | Jan 8, 2021 |
| Instrument | 20210001849 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2021 |
| Title Company | BURKE LAW AND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $24,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13123 E EMERALD COAST PKWYB, 13123, INLET BEACH, FL 32461 |
| Name | Verified Name |
|---|---|
| Address | 1801 HUNTINGTON ST, MIDLAND, TX 79705-8411 |
| Document Number | 0031782816 |
|---|---|
| Date | Jan 13, 2021 |
| Book Page | 3178/2816 |
| Instrument | 20210001851 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 28, 2019 |
| Property Address | 109 KAIYA AVE, INLET BEACH, FL 32461-8263 |
| Document Number | 0031003925 |
| Book / Page | 003100 / 003925 |
| Instrument Date | Mar 27, 2019 |
| Instrument | 9353 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $9,843.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 24 CATNAP ALY INLET BEACH FL 32461, INLET BEACH, FL 32461 |
| Document Number | 31003930 |
|---|---|
| Date | Mar 28, 2019 |
| Book Page | 003100/003930 |
| Instrument | 9355 |
| Name | SMARTBANK |
|---|---|
| Type | Bank |
| Address | 4405 COMMONS DR E, DESTIN, FL 32541-3538 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Walton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,163,572 (-0.89%) Land $958,250 Building $3,205,322 | $4,163,572 (-0.89%) Land $958,250 Building $3,205,322 | |
| 2024 | $38,372.00 (+0.53%) | $4,200,956 (-) Land $963,463 Building $3,237,493 | $4,200,956 (-) Land $963,463 Building $3,237,493 |
| 2023 | $38,171.00 (+5.36%) | $4,200,956 (+7.46%) Land $963,463 Building $3,237,493 | $4,200,956 (+7.46%) Land $963,463 Building $3,237,493 |
| 2022 | $36,228.00 | $3,909,199 Land $1,069,444 Building $2,839,755 | $3,909,199 Land $1,069,444 Building $2,839,755 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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.
Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
May also be available: Mediacom Xtream, REV, Wildstar Networks, WOW Internet, Cable & Phone.
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