130 Surfer Ln, Inlet Beach, FL 32461 Property Records

Walton County property record for 130 Surfer Ln, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 2,946 sqft · built 2019
Lot Size	0.078 acres (3,398 sqft)
Owner	Individual Name on Record
Last Sale	$1,045,000 (Mar 2019)
Tax Bill	$13,286 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Mar 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-3S-18-16034-00T-0140`

Property Details

APN / Parcel Number

Primary APN	`26-3S-18-16034-00T-0140`
Alternative APNs	`26-318-16034-00T-0140` `1053611`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,946 sqft Living Area
Gross Area	3,612 sqft
1st Floor Area	1,338 sqft
Flooring	Wood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	3,398 sqft (0.078 acres)
Lot Dimensions	100 ft deep x 34 ft wide
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	636 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	130 SURFER LN
City	INLET BEACH
State	FL
Zip	32461-6218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TND
Legal Description	LOT 14 BLK T SEACREST BEACH PH 6 S/D PB 15-40 OR 2542-914 OR 2660-4595 OR 2880-3349 OR 3046-172 OR 3046-174 OR 3100-2653
Legal Range	018
Legal Township	03S
Legal Section	26
Legal Subdivision	SEACREST BEACH PH 6
Legal Phase	6
Legal Block	T
Legal Lot Number	14
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1001
Census Tract	950611

Owner

Source: Walton County records, as of December 3, 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
Mailing Address	2938 HERMANCE DR NE, BROOKHAVEN, GA 30319-2704
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC UNION BANK
Mar 26, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ACCESS NATIONAL MORTGAGE
Jul 6, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 6, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2019 · Amount on Record
Deed Sale	Mar 26, 2019 · Amount on Record
Prior Sale	Jul 6, 2017 · Amount on Record
Deed Document Number	20198974
Deed Book / Page	3100 / 2653
Prior Transfer Date	Jun 29, 2017
Prior Transfer Doc	0030460172
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	130 SURFER LN, INLET BEACH, FL 32461-6218
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2938 HERMANCE DR NE, BROOKHAVEN, GA 30319-2704

Mortgage

Document Number	0031572260
Date	Aug 31, 2020
Book Page	3157/2260
Instrument	20200033293

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	RESTON, VA 20191

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

March 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 26, 2019
Property Address	130 SURFER LN, INLET BEACH, FL 32461-6218
Document Number	0031002653
Book / Page	3100 / 2653
Map Reference	MB 15 PG 40&40A
Instrument Date	Mar 22, 2019
Instrument	20190008974
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 30, 2021
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,315.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3206 MAGNOLIA ISLANDS BLVD, 3206, PANAMA CITY, FL 32408-7166

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2938 HERMANCE DR NE, BROOKHAVEN, GA 30319-2704

Mortgage

Document Number	20190008975
Date	Mar 26, 2019
Instrument	20190008975

Lender

Name	ACCESS NATIONAL MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Jul 6, 2017
Property Address	130 SURFER LN, INLET BEACH, FL 32461-6218
Document Number	0030460172
Book / Page	003046 / 000172
Instrument Date	Jun 29, 2017
Instrument	22101
Transaction Type	Transfer
Record Updated	Jul 21, 2017
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
Address	PO BOX 1437 COLUMBUS GA 319021437, COLUMBUS, GA 31902-1437

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 6, 2017
Property Address	130 SURFER LN, INLET BEACH, FL 32461-6218
Document Number	0030460174
Book / Page	003046 / 000174
Instrument Date	Jun 29, 2017
Instrument	22102
Transaction Type	Transfer
Record Updated	Jul 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3206 MAGNOLIA ISLANDS BLVD PANAMA CITY BEACH FL 324087166, PANAMA CITY BEACH, FL 32408-7166

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	$13,286.00 (+3.35%)	$1,671,497 (-4.02%) Land $451,500 Building $1,219,997	$1,671,497 (-4.02%) Land $451,500 Building $1,219,997
2024	$12,855.00 (+2.32%)
2023	$12,563.00 (+9.03%)	$1,741,560 (+12.53%) Land $509,250 Building $1,232,310	$1,741,560 (+12.53%) Land $509,250 Building $1,232,310
2022	$11,522.00	$1,547,669 Land $467,366 Building $1,080,303	$1,547,669 Land $467,366 Building $1,080,303

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
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	Hurricane Sally, Sep 2020 · 2 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

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

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.08% 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 173 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 · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: WOW Internet, Cable & Phone.

Nearby Properties on Surfer Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures