132 Sand Cliffs Dr, Inlet Beach, FL 32461 Property Records

Walton County property record for 132 Sand Cliffs Dr, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,225 sqft · built 2017
Lot Size	0.228 acres (9,975 sqft)
Owner	2 Owner Names on Record
Last Sale	$977,000 (Nov 2014)
Tax Bill	$17,911 (2024)
Deeds & Mortgages	Apr 2020 Mortgage Feb 2018 Mortgage
Flood Zone	Zone VE (high risk)
APN	`27-3S-18-16051-00A-0030`

Property Details

APN / Parcel Number

Primary APN	`27-3S-18-16051-00A-0030`
Alternative APN	`1057339`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,225 sqft Living Area
Gross Area	4,110 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2017
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Roof Material	Tin
Lot Area	9,975 sqft (0.228 acres)
Lot Dimensions	20 ft deep x 5 ft wide
Garage Type	Finished
Garage Area	494 sqft
Porch	Porch
Porch Area	391 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1057339
Street Address	132 SAND CLIFFS DR
City	INLET BEACH
State	FL
Zip	32461-4500
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK A SAND CLIFFS S/D PB 5-24 OR 700-119 OR 1859-50 OR 2620-4733 OR 2794-298 OR 2964-1887
Legal Range	18W
Legal Township	03S
Legal Section	27
Legal Subdivision	SAND CLIFFS S/D
Legal Block	A
Legal Lot Number	3
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1002
Census Tract	950611

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 Owner Names on Record
Mailing Address	132 SAND CLIFFS DR, INLET BEACH, FL 32461-4500
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2020	Deed of Trust, Mortgage QUICKEN LNS
Feb 2, 2018	Deed of Trust, Mortgage WALTON FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2014 · Amount on Record
Deed Sale	Nov 13, 2014 · Amount on Record
Prior Sale	Jun 2, 2008 · Amount on Record
Deed Document Number	2014661302161
Deed Book / Page	2964 / 1887
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	132 SAND CLIFFS DR, INLET BEACH, FL 32461-4500
Document Number	0031402221
Instrument Date	Apr 17, 2020
Transaction Type	Mortgage
Record Updated	Jun 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	132 SAND CLIFFS DR INLET BEACH FL 324614500, INLET BEACH, FL 32461-4500

Mortgage

Document Number	0031402221
Date	Apr 22, 2020
Book Page	003140/002221
Instrument	13812

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 21, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.25%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	132 SAND CLIFFS DR, INLET BEACH, FL 32461-4500
Document Number	0030650332
Instrument Date	Feb 2, 2018
Transaction Type	Mortgage
Record Updated	Feb 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	132 SAND CLIFFS DR INLET BEACH FL 32461, INLET BEACH, FL 32461

Mortgage

Document Number	0030650332
Date	Feb 8, 2018
Book Page	003065/000332
Instrument	4237

Lender

Name	WALTON FUNDING LLC
Address	12805 US HIGHWAY 98 E # E201, INLET BEACH, FL 32461-9632

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 7, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%

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		$5,403,740 (+53.5%) Land $3,500,000 Building $1,903,740	$5,403,740 (+53.5%) Land $3,500,000 Building $1,903,740
2024	$17,911.00 (+3.6%)
2023	$17,288.00 (+1.04%) Homeowner's exemption	$3,520,416 (+38.04%) Land $2,100,000 Building $1,420,416	$3,520,416 (+38.04%) Land $2,100,000 Building $1,420,416
2022	$17,110.00 Homeowner's exemption	$2,550,347 Land $1,942,500 Building $607,847	$2,550,347 Land $1,942,500 Building $607,847

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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
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	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within 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	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 96 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: AT&T, Verizon, Wildstar Networks.

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