148 Ridge Rd, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 148 Ridge Rd, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,468 sqft · built 2000
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Trust Names on File
Last Sale	$850,000 (Nov 2021)
Tax Bill	$6,750 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Nov 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-3S-20-34180-00B-0070`

Property Details

APN / Parcel Number

Primary APN	`03-3S-20-34180-00B-0070`
Alternative APNs	`03-320-34180-00B-0070` `1005807`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,468 sqft Living Area
Gross Area	2,384 sqft
1st Floor Area	1,468 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2008
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	14,985 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	552 sqft
Porch	Enclosed/Finished Porch
Porch Area	364 sqft
Patio Area	182 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	148 RIDGE RD
City	SANTA ROSA BEACH
State	FL
Zip	32459-4234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 7 BLK B SANTA ROSA RIDGE UNIT I PB 4-22 OR 1933-9 OR 1933-11 OR 1935-63 OR 2040-67 OR 2048-300 OR 2161-142 OR 2931-4049 OR 3075-3284 OR 3225-328 OR 3225-331
Legal Range	020
Legal Township	03S
Legal Section	03
Legal Subdivision	SANTA ROSA RIDGE UNIT
Legal Block	B
Legal Lot Number	7
Legal Unit	1
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1002
Census Tract	950604

Owner

148 Ridge Rd is owner-occupied and held in a trust since November 2021.

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

Owner of Record	2 Trust Names on File
Mailing Address	44 SON BON, LAGUNA NIGUEL, CA 92677-8601
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jan 25, 2022	Deed of Trust, Mortgage · Line of Credit PROGRESS BANK & TRUST
Nov 12, 2021	Intrafamily Transfer, Transfer
Nov 12, 2021	Warranty Deed, Transfer · Conventional Mortgage PROGRESS BANK & TRUST
Jun 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage TYNDALL FCU
Jun 5, 2018	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2021 · Amount on File
Deed Sale	Nov 12, 2021 · Amount on File
Prior Sale	Jun 5, 2018 · Amount on File
Deed Document Number	202156468
Deed Book / Page	3225 / 328
Prior Transfer Date	Oct 27, 2021
Prior Transfer Doc	0032250331
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	148 RIDGE RD, SANTA ROSA BEACH, FL 32459-4234
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 SON BON, LAGUNA BEACH, CA 92677-8601

Mortgage

Document Number	0032354337
Date	Jan 25, 2022
Book Page	3235/4337
Instrument	20220003536

Lender

Name	PROGRESS BANK & TRUST
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Line of Credit
Amount	Amount on Record

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Nov 12, 2021
Property Address	148 RIDGE RD, SANTA ROSA BEACH, FL 32459-4234
Document Number	0032250331
Book / Page	3225 / 331
Map Reference	MB 4 PG 22
Instrument Date	Oct 27, 2021
Instrument	20210056469
Transaction Type	Transfer
Record Updated	Feb 20, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 SON BON, LAGUNA NIGUEL, CA 92677-8601

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 12, 2021
Property Address	148 RIDGE RD, SANTA ROSA BEACH, FL 32459-4234
Document Number	0032250328
Book / Page	3225 / 328
Map Reference	MB 4 PG 22
Instrument Date	Oct 27, 2021
Instrument	20210056468
Transaction Type	Transfer
Record Updated	Jun 15, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	148 RIDGE RD, SANTA ROSA BEACH, FL 32459-4234

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 SON BON, LAGUNA NIGUEL, CA 92677-8601

Mortgage

Document Number	0003225335
Date	Nov 12, 2021
Instrument	3225/335

Lender

Name	PROGRESS BANK & TRUST
Type	Bank

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	148 RIDGE RD, SANTA ROSA BEACH, FL 32459-4234
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031472482
Date	Jun 24, 2020
Book Page	3147/2482
Instrument	20200021781

Lender

Name	TYNDALL FCU
Type	Credit Union
Address	PANAMA CITY, FL 32412

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 5, 2018
Property Address	148 RIDGE RD, SANTA ROSA BEACH, FL 32459-4234
Document Number	0030753284
Book / Page	3075 / 3284
Map Reference	MB4 PG22
Instrument Date	Jun 4, 2018
Instrument	2018000018496
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	148 RIDGE RD, 148, SANTA ROSA BEACH, FL 32459-4234

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	463 GOLF CLUB DR, SANTA ROSA BEACH, FL 32459-4138

Mortgage

Document Number	2018000018498
Date	Jun 5, 2018
Instrument	2018000018498

Lender

Name	REGIONS BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 148 Ridge Rd was $6,750 with a homeowner's exemption, down 8.4% 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	$6,750.00 (-8.45%) Homeowner's exemption	$785,669 Land $450,000 Building $335,669	$785,669 Land $450,000 Building $335,669
2024	$7,373.00 (-1.71%)
2023	$7,501.00 (+1%) Homeowner's exemption	$863,839 (+2.88%) Land $306,800 Building $557,039	$863,839 (+2.88%) Land $306,800 Building $557,039
2022	$7,427.00 Homeowner's exemption	$839,642 Land $340,548 Building $499,094	$839,642 Land $340,548 Building $499,094

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

Flood

FEMA maps place 148 Ridge Rd in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 294 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	579 units insured incl. 285 condo units
Nearby Flood Claims	11 (1995–2025)
Claims Outside the SFHA	3 of 11
Most Recent Claim	Jan 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 5 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 148 Ridge Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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 97 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
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50

May also be available: AT&T, T-Mobile.

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