Walton County property record for 11 Sapling St, Inlet Beach, FL 32461
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 2,769 sqft · built 2020 |
| Lot Size | 0.208 acres (9,060 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,350,000 (May 2021) |
| Tax Bill | $7,186 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit May 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-3S-18-16241-000-0690 |
| Primary APN | 25-3S-18-16241-000-0690 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,769 sqft Living Area |
| Gross Area | 4,310 sqft |
| 1st Floor Area | 2,025 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,060 sqft (0.208 acres) |
| Lot Dimensions | 140 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 862 sqft |
| Porch | Finished Screened Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 11 SAPLING ST |
|---|---|
| City | INLET BEACH |
| State | FL |
| Zip | 32461-7453 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BWSPVC |
| Legal Description | LOT 69 STILLWATER AT WATERSOUND PH 2 PB 21-72 OR 3119-1000 OR 3155-1210 OR 3197-4149 |
| Legal Range | 018 |
| Legal Township | 03S |
| Legal Section | 25 |
| Legal Subdivision | WATERSOUND PH 2 |
| Legal Phase | 2 |
| Legal Block | 6 |
| Legal Lot Number | 69 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 950610 |
11 Sapling St is owned and occupied by two individuals who bought it in May 2021.
Source: Walton County records, as of October 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11 SAPLING ST, INLET BEACH, FL 32461-7453 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 17, 2026 | Deed of Trust, Mortgage · Line of Credit MIDWEST BANKCENTRE |
| May 14, 2021 | Warranty Deed, Transfer SHORELINE TITLE LLC |
| Aug 17, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage REGIONS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 14, 2021 · Amount on File |
| Deed Sale | May 14, 2021 · Amount on File |
| Prior Sale | Aug 17, 2020 · Amount on File |
| Deed Document Number | 202124158 |
| Deed Book / Page | 3197 / 4149 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Sep 17, 2026 |
| Property Address | 11 SAPLING ST, INLET BEACH, FL 32461-7453 |
| Document Number | 0000038479 |
| Book / Page | 3413 / 344 |
| Instrument Date | Sep 11, 2026 |
| Instrument | 202638479 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 11 SAPLING ST, INLET BEACH, FL 32461-7453 |
| Document Number | 0000038479, |
|---|---|
| Date | Sep 17, 2026 |
| Book Page | 3413/344 |
| Instrument | 202638479 |
| Name | MIDWEST BANKCENTRE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 28, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.99% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | May 14, 2021 |
| Property Address | 11 SAPLING ST, INLET BEACH, FL 32461-7453 |
| Document Number | 0031974149 |
| Book / Page | 3197 / 4149 |
| Map Reference | MB 21 PG 72 |
| Instrument Date | May 14, 2021 |
| Instrument | 20210024158 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | SHORELINE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $9,450.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 165 SPLASH DR, 165, INLET BEACH, FL 32461-8559 |
| Name | Verified Name |
|---|---|
| Address | 11 SAPLING ST, INLET BEACH, FL 32461-7453 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Aug 17, 2020 |
| Property Address | 11 SAPLING ST, INLET BEACH, FL 32461-7453 |
| Document Number | 0031551210 |
| Book / Page | 3155 / 1210 |
| Map Reference | MB 21 PG 72&73 |
| Instrument Date | Aug 14, 2020 |
| Instrument | 20200030681 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | RODGERS KIEFER TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,930.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 5244, NICEVILLE, FL 32578-5244 |
| Name | Verified Name |
|---|---|
| Address | 11 SAPLING ST, INLET BEACH, FL 32461-7453 |
| Document Number | 0031551212 |
|---|---|
| Date | Aug 17, 2020 |
| Instrument | 3155/1212 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 317 Months |
| Due | Jan 22, 2047 |
The 2025 property tax bill for 11 Sapling St was $7,186 with a homeowner's exemption, up 1.9% from the year before.
Source: Walton County assessment roll, as of December 3, 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 | $7,186.00 (+1.89%) Homeowner's exemption | $833,977 | $964,418 Land $150,000 Building $814,418 |
| 2024 | $7,053.00 (+3.71%) | ||
| 2023 | $6,801.00 (+1.12%) Homeowner's exemption | $1,154,543 (+39.6%) Land $91,300 Building $1,063,243 | $1,154,543 (+39.6%) Land $91,300 Building $1,063,243 |
| 2022 | $6,726.00 Homeowner's exemption | $827,053 Land $101,343 Building $725,710 | $827,053 Land $101,343 Building $725,710 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11 Sapling St in Zone X, an area of minimal flood risk, within 500 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 412 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 412 in force |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2020 · other causes |
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 risk around 11 Sapling St is high, ranking above 73% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 73% of the US · above 58% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| WOW Internet, Cable & Phone Fiber | 1,000 / 50 |
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