109 Okeechobee E, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 109 Okeechobee E, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,909 sqft · built 2008
Lot Size	0.175 acres (7,659 sqft)
Owner	Individual Name on Record
Last Sale	$137,000 (Jun 2007)
Tax Bill	$2,961 (2024)
Deeds & Mortgages	Nov 2022 Line of Credit Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-3S-20-34400-000-0780`

Property Details

APN / Parcel Number

Primary APN	`02-3S-20-34400-000-0780`
Alternative APN	`1004154`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,909 sqft Living Area
Gross Area	2,567 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,659 sqft (0.175 acres)
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	328 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1004154
Street Address	109 OKEECHOBEE E
City	SANTA ROSA BEACH
State	FL
Zip	32459-0722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 78 FOREST LAKES PH I PB 16 PG 6 OR 2627-3931 PR 2766-697
Legal Range	20W
Legal Township	03S
Legal Section	02
Legal Subdivision	FOREST LAKES PH I
Legal Phase	1
Legal Lot Number	78
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1014
Census Tract	950606

Owner

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	109 OKEECHOBEE E, SANTA ROSA BEACH, FL 32459-0722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2007 · Amount on Record
Deed Sale	Jun 28, 2007 · Amount on Record
Deed Document Number	1002203
Deed Book / Page	2766 / 0697
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	109 OKEECHOBEE E, SANTA ROSA BEACH, FL 32459-0722
Transaction Type	Mortgage
Record Updated	Dec 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 OKEECHOBEE E, SANTA ROSA BEACH, FL 32459-0722

Mortgage

Document Number	0032732198
Date	Nov 18, 2022
Book Page	3273/2198
Instrument	20220050444

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Nov 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	109 OKEECHOBEE E, SANTA ROSA BEACH, FL 32459-0722
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032454426
Date	Mar 31, 2022
Book Page	3245/4426
Instrument	20220015339

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

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		$888,453 (-0.16%) Land $300,000 Building $588,453	$888,453 (-0.16%) Land $300,000 Building $588,453
2024	$2,961.00 (+3.89%)
2023	$2,850.00 (+1.35%) Homeowner's exemption	$889,899 (+17.08%) Land $274,450 Building $615,449	$889,899 (+17.08%) Land $274,450 Building $615,449
2022	$2,812.00 Homeowner's exemption	$760,075 Land $151,693 Building $608,382	$760,075 Land $151,693 Building $608,382

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.07% 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 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wildstar Networks.

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