Walton County property record for 15 Nancy Ln, Santa Rosa Beach, FL 32459
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,258 sqft · built 1998 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | Company Name on Record |
| Last Sale | $459,900 (May 2020) |
| Tax Bill | $7,116 (2025) |
| Deeds & Mortgages | May 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-3S-20-34180-00B-0040 |
| Primary APN | 03-3S-20-34180-00B-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,258 sqft Living Area |
| Gross Area | 3,394 sqft |
| 1st Floor Area | 2,258 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| 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 | 672 sqft |
| Porch | Finished Screened Porch |
| Porch Area | 336 sqft |
| Patio Area | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 15 NANCY LN |
|---|---|
| City | SANTA ROSA BEACH |
| State | FL |
| Zip | 32459-4259 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RP |
| Legal Description | LOT 4 BLK B SANTA ROSA RIDGE UNIT I PB 4-22 OR 50-117 OR 1350-235 OR 1678-38 OR 2955-4173 OR 2961-2524 OR 3144-2825 |
| Legal Range | 020 |
| Legal Township | 03S |
| Legal Section | 03 |
| Legal Subdivision | SANTA ROSA RIDGE UNIT |
| Legal Block | B |
| Legal Lot Number | 4 |
| Legal Unit | 1 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 950604 |
Source: Walton County records, as of December 3, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 15 NANCY LN, SANTA ROSA BEACH, FL 32459-4259 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 29, 2020 · Amount on Record |
| Deed Sale | May 29, 2020 · Amount on Record |
| Prior Sale | Oct 7, 2014 · Amount on Record |
| Deed Document Number | 202018271 |
| Deed Book / Page | 3144 / 2825 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | May 29, 2020 |
| Property Address | 15 NANCY LN, SANTA ROSA BEACH, FL 32459-4259 |
| Document Number | 0031442825 |
| Book / Page | 003144 / 002825 |
| Instrument Date | May 29, 2020 |
| Instrument | 18271 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,219.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 8069 GLEN ARBOR DR LAKE ST LOUIS MO 633674298, LAKE ST LOUIS, MO 63367-4298 |
| Document Number | 31442831 |
|---|---|
| Date | May 29, 2020 |
| Book Page | 003144/002831 |
| Instrument | 18273 |
| Name | TOGETHER CU |
|---|---|
| Address | SAINT LOUIS, MO 63118 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 28, 2050 |
Source: Walton County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,116.00 (-10.72%) Homeowner's exemption | $826,190 (-10.06%) Land $450,000 Building $376,190 | $826,190 (-10.06%) Land $450,000 Building $376,190 |
| 2024 | $7,970.00 (+0.59%) | ||
| 2023 | $7,923.00 (+1.11%) Homeowner's exemption | $918,567 (+3.93%) Land $306,800 Building $611,767 | $918,567 (+3.93%) Land $306,800 Building $611,767 |
| 2022 | $7,836.00 Homeowner's exemption | $883,795 Land $340,548 Building $543,247 | $883,795 Land $340,548 Building $543,247 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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 |
|
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.
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.
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 |
| 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.
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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