122 Riverbirch Loop, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 122 Riverbirch Loop, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,481 sqft · built 2014
Lot Size	0.143 acres (6,212 sqft)
Owner	2 Individual Names on File
Last Sale	$405,000 (Dec 2023)
Tax Bill	$2,733 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Dec 2019 Transfer
Flood Zone	Zone X (moderate risk)
APN	`13-2S-21-42020-000-0287`

Property Details

APN / Parcel Number

Primary APN	`13-2S-21-42020-000-0287`
Alternative APNs	`13-221-42020-000-0287` `1018802`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,481 sqft Living Area
Gross Area	2,110 sqft
1st Floor Area	1,481 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	6,212 sqft (0.143 acres)
Lot Dimensions	113 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	409 sqft
Porch	Finished/Open Porch
Porch Area	40 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	122 RIVERBIRCH LOOP
City	SANTA ROSA BEACH
State	FL
Zip	32459-8051
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CC
Legal Description	LOT 287 DRIFTWOOD ESTATES PH 2C PB 17-47 OR 2842-3384 OR 2855-101 OR 2880-4219 OR 2918-4305 OR 2967-4460 OR 3128-2221 OR 3310-2070 OR 3310-2081
Legal Range	021
Legal Township	02S
Legal Section	13
Legal Subdivision	DRIFTWOOD ESTATES PH 2C
Legal Phase	2C
Legal Block	2
Legal Lot Number	287
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1007
Census Tract	950607

Owner

122 Riverbirch Loop is owned and occupied by two individuals who bought it in December 2023.

Source: Walton County records, as of December 3, 2025

Owner of Record	2 Individual Names on File
Mailing Address	122 RIVERBIRCH LOOP, SANTA ROSA BEACH, FL 32459-8051
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2023	Warranty Deed, Transfer · Conventional Mortgage TYNDALL FCU
Dec 26, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2023 · Amount on File
Deed Sale	Dec 15, 2023 · Amount on File
Prior Sale	Jan 2, 2015 · Amount on File
Deed Document Number	202344615
Deed Book / Page	3310 / 2081
Prior Transfer Date	Dec 23, 2019
Prior Transfer Doc	0031282221
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 15, 2023
Property Address	122 RIVERBIRCH LOOP, SANTA ROSA BEACH, FL 32459-8051
Document Number	0033102081
Book / Page	3310 / 2081
Map Reference	MB 17 PG 47
Instrument Date	Dec 12, 2023
Instrument	20230044615
Transaction Type	Transfer
Record Updated	Jan 8, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,835.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	193 OYSTER LAKE DR, SANTA ROSA BEACH, FL 32459-4141

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	122 RIVERBIRCH LOOP, SANTA ROSA BEACH, FL 32459-8051

Mortgage

Document Number	0033102083
Date	Dec 15, 2023
Instrument	3310/2083

Lender

Name	TYNDALL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	11.3%
Max Rate	11.3%

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Dec 26, 2019
Property Address	122 RIVERBIRCH LOOP, SANTA ROSA BEACH, FL 32459-8051
Document Number	0031282221
Book / Page	003128 / 002221
Instrument Date	Dec 23, 2019
Instrument	45174
Transaction Type	Transfer
Record Updated	Jan 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	122 RIVERBIRCH LOOP SANTA ROSA BEACH FL 324598051, SANTA ROSA BEACH, FL 32459-8051

Tax Assessment & Valuation

The 2025 property tax bill for 122 Riverbirch Loop was $2,733, down 1.1% from the year before.

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	$2,733.00 (-1.12%)	$341,136 Land $45,000 Building $296,136	$341,136 Land $45,000 Building $296,136
2024	$2,764.00 (+116.78%)
2023	$1,275.00 (-1.16%) Homeowner's exemption	$353,565 (+10.33%) Land $44,754 Building $308,811	$353,565 (+10.33%) Land $44,754 Building $308,811
2022	$1,290.00 Homeowner's exemption	$320,457 Land $49,676 Building $270,781	$320,457 Land $49,676 Building $270,781

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

Flood

FEMA maps place 122 Riverbirch Loop in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 417 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	417 in force
Nearby Flood Claims	6 (2004–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 4 claims Hurricane Frances, Sep 2004 · 2 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 122 Riverbirch Loop is low, with less than 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 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 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	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	3 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 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, Wildstar Networks.

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