131 Chance Ln, Inlet Beach, FL 32461 Property Records

Walton County property record for 131 Chance Ln, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,558 sqft · built 2024
Lot Size	0.357 acres (15,594 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Oct 2020)
Tax Bill	$3,498 (2024)
Deeds & Mortgages	Oct 2022 Construction Loan Oct 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`21-3S-18-16100-000-0080`

Property Details

APN / Parcel Number

Primary APN	`21-3S-18-16100-000-0080`
Alternative APN	`1038385`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	4,558 sqft Living Area
Gross Area	6,080 sqft
Interior Walls	Custom/Decorative
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	15,594 sqft (0.357 acres)
Lot Dimensions	18.8 ft deep x 9.2 ft wide
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1038385
Street Address	131 CHANCE LN
City	INLET BEACH
State	FL
Zip	32461-0742
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 LANDING AT CAMP CREEK S/D PB 14-64 OR 2312-1563 OR 3164-3519
Legal Range	18W
Legal Township	03S
Legal Section	21
Legal Subdivision	LANDING AT CAMP CREEK S/D
Legal Lot Number	8
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1042
Census Tract	950610

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	2 Individual Names on Record
Mailing Address	8 POWERS CHASE CIR, ATLANTA, GA 30327-4672
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST HORIZON BANK
Oct 16, 2020	Warranty Deed, Transfer COASTAL TITLE, COASTAL TITLE & ESCROW

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2020 · Amount on Record
Deed Sale	Oct 16, 2020 · Amount on Record
Deed Document Number	20200041457
Deed Book / Page	3164 / 3519
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	131 CHANCE LN, INLET BEACH, FL 32461-0742
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 POWERS CHASE CIR, SANDY SPRINGS, GA 30327-4672

Mortgage

Document Number	0032690966
Date	Oct 6, 2022
Book Page	3269/966
Instrument	20220044592

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	379 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	May 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9%
Index	Other
Max Rate	9%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 16, 2020
Property Address	131 CHANCE LN, INLET BEACH, FL 32461-0742
Document Number	0031643519
Book / Page	003164 / 003519
Instrument Date	Oct 15, 2020
Instrument	41457
Transaction Type	Transfer
Record Updated	Nov 4, 2020
Title Company	COASTAL TITLE, COASTAL TITLE & ESCROW

Transaction

Amount	Amount Recorded
Tax	$2,520.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 W WIEUCA RD NE ATLANTA GA 303423220, ATLANTA, GA 30342-3220

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		$2,356,445 (+803.41%) Land $486,000 Building $1,870,445	$2,356,445 (+803.41%) Land $486,000 Building $1,870,445
2024	$3,498.00 (+47.59%)
2023	$2,370.00 (-9.85%)	$260,838 (-9.91%) Land $260,838	$260,838 (-9.91%) Land $260,838
2022	$2,629.00	$289,530 Land $289,530	$289,530 Land $289,530

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 645 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,249 units insured incl. 604 condo units
Nearby Flood Claims	16 (2004–2023)
Claims Outside the SFHA	10 of 16
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 2 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 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.1% 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 111 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

May also be available: Wildstar Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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