114 E Surfside Dr, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 114 E Surfside Dr, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	5 bd · 7 ba · 3,318 sqft · built 2021
Lot Size	0.555 acres (24,176 sqft)
Owner	Company Name on Record
Last Sale	$2,900,000 (Sep 2026)
Tax Bill	$21,060 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Dec 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-3S-20-34030-000-0300`

Property Details

APN / Parcel Number

Primary APN	`01-3S-20-34030-000-0300`
Alternative APNs	`01-320-34030-000-0300` `1001067`

Interior

Bedrooms	5 Beds
Full Baths	7 Baths
Stories	2 Stories
Building Area	3,318 sqft Living Area
Gross Area	5,560 sqft
1st Floor Area	2,325 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Hardboard
Roof Type	Shed Roof
Roof Material	Other
Lot Area	24,176 sqft (0.555 acres)
Lot Dimensions	218 ft deep x 111 ft wide
Garage Type	Attached
Garage Area	868 sqft
Porch	Patio
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	114 E SURFSIDE DR
City	SANTA ROSA BEACH
State	FL
Zip	32459-5062
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 30 PINES OF BLUE MOUNTAIN PB 6-21 0R 1412-324 OR 2946-901 OR 2960-2621 OR 3149-1226 OR 3216-2359
Legal Range	020
Legal Township	03S
Legal Section	01
Legal Subdivision	PINES OF BLUE MOUNTAIN
Legal Block	3
Legal Lot Number	30
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1008
Census Tract	950606

Owner

Source: Walton County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	10519 FRONT BEACH RD, 2103, PANAMA CITY BEACH, FL 32407-3537
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Dec 13, 2022	Deed of Trust, Mortgage · Line of Credit ALL IN FCU
Sep 15, 2021	Warranty Deed, Transfer · Conventional Mortgage CAPITAL CITY HOME LOANS LLC
Jul 7, 2020	Warranty Deed, Transfer SHORELINE TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2026 · Amount on Record
Deed Sale	Sep 4, 2026 · Amount on Record
Prior Sale	Sep 15, 2021 · Amount on Record
Deed Document Number	202636887
Deed Book / Page	3411 / 4514
Prior Transfer Date	Apr 1, 2014
Prior Transfer Doc	0029460901
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 4, 2026
Property Address	114 E SURFSIDE DR, SANTA ROSA BEACH, FL 32459-5062
Document Number	0000036887
Book / Page	3411 / 4514
Instrument Date	Sep 4, 2026
Instrument	202636887
Transaction Type	Transfer
Record Updated	Sep 25, 2026
Title Company	PROVIDENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,050,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	0000036888,
Date	Sep 4, 2026
Instrument	202636888

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	114 E SURFSIDE DR, SANTA ROSA BEACH, FL 32459-5062
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032751697
Date	Dec 13, 2022
Book Page	3275/1697
Instrument	20220053049

Lender

Name	ALL IN FCU
Type	Credit Union
Address	DALEVILLE, AL 36322

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	264 Months
Due	Dec 12, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 15, 2021
Property Address	114 E SURFSIDE DR, SANTA ROSA BEACH, FL 32459-5062
Document Number	0032162359
Book / Page	3216 / 2359
Map Reference	MB 6 PG 21
Instrument Date	Sep 14, 2021
Instrument	20210046433
Transaction Type	Transfer
Record Updated	Feb 21, 2023
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 W BLUE CORAL DR, SANTA ROSA BEACH, FL 32459-4550

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 E SURFSIDE DR, SANTA ROSA BEACH, FL 32459-5062

Mortgage

Document Number	0032162361
Date	Sep 15, 2021
Instrument	3216/2361

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Oct 1, 2031
Change Frequency	6 Months
Min Rate At Change	3.5%
Max Rate At Change	8.5%
Index	Other
Max Rate	8.5%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 7, 2020
Property Address	114 E SURFSIDE DR, SANTA ROSA BEACH, FL 32459-5062
Document Number	0031491226
Book / Page	003149 / 001226
Instrument Date	Jun 26, 2020
Instrument	23757
Transaction Type	Transfer
Record Updated	Aug 24, 2020
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$3,983.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	20 W BLUE CORAL DR SANTA ROSA BEACH FL 324594550, SANTA ROSA BEACH, FL 32459-4550

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 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	$21,060.00 (-1.08%)	$2,330,833 (+4.91%) Land $605,000 Building $1,725,833	$2,330,833 (+4.91%) Land $605,000 Building $1,725,833
2024	$21,290.00 (+8.51%)
2023	$19,621.00 (+10.67%)	$2,221,833 (+16.13%) Land $550,000 Building $1,671,833	$2,221,833 (+16.13%) Land $550,000 Building $1,671,833
2022	$17,730.00	$1,913,238 Land $444,000 Building $1,469,238	$1,913,238 Land $444,000 Building $1,469,238

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 A, within 500 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 68% of the US · above 48% 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.

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 194 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
Wildstar Networks Fixed Wireless	200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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