138 E Lamb Dr, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 138 E Lamb Dr, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,492 sqft · built 2007
Lot Size	0.303 acres (13,199 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,654 (2024)
Deeds & Mortgages	Apr 2024 Second Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`25-2S-21-42130-000-0080`

Property Details

APN / Parcel Number

Primary APN	`25-2S-21-42130-000-0080`
Alternative APN	`1047786`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,492 sqft Living Area
Gross Area	2,686 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	13,199 sqft (0.303 acres)
Lot Dimensions	18.9 ft deep x 7 ft wide
Garage Type	Finished
Garage Area	636 sqft

Exterior Amenities

Porch	Porch
Porch Area	206 sqft
Deck Area	Deck Area
Patio Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1047786
Street Address	138 E LAMB DR
City	SANTA ROSA BEACH
State	FL
Zip	32459-7133
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 MACK BAYOU PINES S/D PB 15-27 OR 2604-862 OR 2613-30 OR 2654-2596 OR 2787-1441 OR 3078-130
Legal Range	21W
Legal Township	02S
Legal Section	25
Legal Subdivision	MACK BAYOU PINES S/D
Legal Lot Number	8
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2013
Census Tract	950604

Owner

138 E Lamb Dr is owned and occupied by two individuals who acquired it in December 2018.

Source: Walton County records, as of December 17, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	138 E LAMB DR, SANTA ROSA BEACH, FL 32459-7133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jul 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 29, 2018	Warranty Deed, Transfer · FHA Mortgage M & T BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2018
Deed Sale	Dec 18, 2018
Prior Sale	Jun 29, 2018 · Amount on File
Deed Document Number	2018000041793
Deed Book / Page	3078 / 0130
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	138 E LAMB DR, SANTA ROSA BEACH, FL 32459-7133
Transaction Type	Mortgage
Record Updated	May 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 E LAMB DR, SANTA ROSA BEACH, FL 32459-7133

Mortgage

Document Number	OR33200518
Date	Apr 1, 2024
Book Page	OR3320/518
Instrument	20240011017

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2044

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	138 E LAMB DR, SANTA ROSA BEACH, FL 32459-7133
Transaction Type	Mortgage
Record Updated	Jul 15, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032051331
Date	Jul 1, 2021
Book Page	3205/1331
Instrument	20210033126

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 29, 2018
Property Address	138 E LAMB DR, SANTA ROSA BEACH, FL 32459-7133
Document Number	0030780130
Book / Page	3078 / 0130
Map Reference	MB15 PG27
Instrument Date	Jun 15, 2018
Instrument	2018000021731
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	138 E LAMB DR, 138, SANTA ROSA BEACH, FL 32459-7133

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 HAMILTON DR, BUFFALO, NY 14226-4740

Mortgage

Document Number	2018000021732
Date	Jun 29, 2018
Instrument	2018000021732

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

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		$388,277 Land $85,000 Building $303,277	$388,277 Land $85,000 Building $303,277
2024	$1,654.00 (+4.22%)
2023	$1,587.00 (+1.54%) Homeowner's exemption	$465,461 (+15.92%) Land $72,675 Building $392,786	$465,461 (+15.92%) Land $72,675 Building $392,786
2022	$1,563.00 Homeowner's exemption	$401,534 Land $45,221 Building $356,313	$401,534 Land $45,221 Building $356,313

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

Flood

FEMA maps place 138 E Lamb Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 193 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	193 in force
Nearby Flood Claims	3 (2020–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 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 138 E Lamb Dr is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.1% 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	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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Cox Communications, Wildstar Networks.

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