15 Martha's Ln, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 15 Martha's Ln, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,447 sqft · built 2020
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$897,000 (Oct 2020)
Tax Bill	$8,859 (2024)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Feb 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-3S-20-34155-000-0010`

Property Details

APN / Parcel Number

Primary APN	`03-3S-20-34155-000-0010`
Alternative APN	`1005769`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,447 sqft Living Area
Gross Area	3,098 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	11.9 ft deep x 6 ft wide
Garage Type	Finished

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1005769
Street Address	15 MARTHAS LN
City	SANTA ROSA BEACH
State	FL
Zip	32459-4173
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 MARTHA'S LANE PB 16-26 OR 2641-1127 OR 3082-2308 OR 3165-1860
Legal Range	20W
Legal Township	03S
Legal Section	03
Legal Subdivision	MARTHAS LANE
Legal Lot Number	1
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1004
Census Tract	950604

Owner

15 Martha's Ln is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	15 MARTHAS LN, SANTA ROSA BEACH, FL 32459-4173
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 21, 2020	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Feb 8, 2019	Loan Modification, Mortgage SMARTBANK
Aug 16, 2018	Warranty Deed, Transfer · Line of Credit SMARTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2020 · Amount on File
Deed Sale	Oct 21, 2020 · Amount on File
Prior Sale	Aug 16, 2018 · Amount on File
Deed Document Number	20200042207
Deed Book / Page	3165 / 1860
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 21, 2020
Property Address	15 MARTHAS LN, SANTA ROSA BEACH, FL 32459-4173
Document Number	0031651860
Book / Page	3165 / 1860
Map Reference	MB 16 PG 26&26A
Instrument Date	Oct 19, 2020
Instrument	20200042207
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MEAD LAW & TITLE PLLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,279.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 PERRY AVE SE, 130, FORT WALTON BEACH, FL 32548-5563

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 MARTHAS LN, SANTA ROSA BEACH, FL 32459-4173

Mortgage

Document Number	0031651862
Date	Oct 21, 2020
Instrument	3165/1862

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2050

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	15 MARTHAS LN, SANTA ROSA BEACH, FL 32459-4173
Document Number	0030974138
Instrument Date	Feb 8, 2019
Transaction Type	Mortgage
Record Updated	Mar 7, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	130 PERRY AVE SE #C FORT WALTON BEACH FL 325485563, C, FORT WALTON BEACH, FL 32548-5563

Mortgage

Document Number	0030974138
Date	Feb 21, 2019
Book Page	003097/004138
Instrument	5343

Lender

Name	SMARTBANK
Type	Bank
Address	DESTIN, FL 32502

Agreement

Amount	Amount on Record

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 16, 2018
Property Address	15 MARTHAS LN, SANTA ROSA BEACH, FL 32459-4173
Document Number	0030822308
Book / Page	003082 / 002308
Instrument Date	Aug 10, 2018
Instrument	27663
Transaction Type	Transfer
Record Updated	Aug 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,190.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	130 PERRY AVE SE #C FORT WALTON BEACH FL 325485563, C, FORT WALTON BEACH, FL 32548-5563

Mortgage

Document Number	30822310
Date	Aug 16, 2018
Book Page	003082/002310
Instrument	27664

Lender

Name	SMARTBANK
Type	Bank
Address	PIGEON FORGE, TN 37868-1910

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

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		$1,466,942 Land $650,000 Building $816,942	$1,466,942 Land $650,000 Building $816,942
2024	$8,859.00 (+0.53%)
2023	$8,812.00 (+10.75%) Homeowner's exemption	$1,008,142 (+7.49%) Land $182,949 Building $825,193	$1,008,142 (+7.49%) Land $182,949 Building $825,193
2022	$7,957.00	$937,929 Land $203,073 Building $734,856	$937,929 Land $203,073 Building $734,856

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

Flood

FEMA maps place 15 Martha's Ln 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 AE, 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 15 Martha's Ln is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 216 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
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50

May also be available: T-Mobile.

Nearby Properties on Martha's Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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