Walton County property record for 15 Sand Cliffs Dr, Inlet Beach, FL 32461
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 2,937 sqft · built 2015 |
| Lot Size | 0.182 acres (7,928 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,160,000 (Aug 2019) |
| Tax Bill | $12,603 (2024) |
| Deeds & Mortgages | Apr 2023 Line of Credit Oct 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-3S-18-16052-00C-0010 |
| Primary APN | 27-3S-18-16052-00C-0010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 2 Stories |
| Building Area | 2,937 sqft Living Area |
| Gross Area | 4,075 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Other |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 7,928 sqft (0.182 acres) |
| Lot Dimensions | 12.4 ft deep x 6.4 ft wide |
| Garage Type | Finished |
| Garage Area | 238 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 780 sqft |
| Deck Area | Deck Area |
| Patio Area | 120 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1057357 |
|---|---|
| Street Address | 15 SAND CLIFFS DR |
| City | INLET BEACH |
| State | FL |
| Zip | 32461-7110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 BLK C SAND CLIFFS 1ST ADDITION PB 5-29 OR 691-294 OR 956-37 OR 2603-176 OR 2619-3132 OR 2937-4414 OR 3060-2822 OR |
| Legal Range | 18W |
| Legal Township | 03S |
| Legal Section | 27 |
| Legal Subdivision | SAND CLIFFS 1ST ADD |
| Legal Block | C |
| Legal Lot Number | 1 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 950611 |
Source: Walton County assessment roll, APN 27-3S-18-16052-00C-0010, as of July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15 SAND CLIFFS DR, INLET BEACH, FL 32461-7110 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 04, 2023 | Deed of Trust, Mortgage · Line of Credit INNOVATIONS FINANCIAL CU |
| Oct 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EMM LOANS LLC |
| Aug 06, 2019 | Warranty Deed, Transfer PARKSIDE LNDG |
| Dec 21, 2017 | Warranty Deed, Transfer BRANCH BK&TR |
| Jan 20, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WALTON FUNDING LLC WALTON FUNDING LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 06, 2019 · Amount on Record |
| Deed Sale | Aug 06, 2019 · Amount on Record |
| Prior Sale | Dec 21, 2017 · Amount on Record |
| Deed Document Number | 20190026677 |
| Deed Book / Page | 3113 / 4557 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 15 SAND CLIFFS DR, INLET BEACH, FL 32461-7110 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 730 E 6TH AVE, TALLAHASSEE, FL 32303-6402 |
| Document Number | 0032852523 |
|---|---|
| Date | Apr 04, 2023 |
| Book Page | 3285/2523 |
| Instrument | 20230011470 |
| Name | INNOVATIONS FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | PANAMA CITY, FL 32406 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 15 SAND CLIFFS DR, INLET BEACH, FL 32461-7110 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 730 E 6TH AVE, TALLAHASSEE, FL 32303-6402 |
| Document Number | 0032210703 |
|---|---|
| Date | Oct 18, 2021 |
| Book Page | 3221/703 |
| Instrument | 20210051903 |
| Name | EMM LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHERRY HILL, NJ 08003 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Aug 06, 2019 |
| Property Address | 15 SAND CLIFFS DR, INLET BEACH, FL 32461-7110 |
| Document Number | 0031134557 |
| Book / Page | 003113 / 004557 |
| Instrument Date | Aug 02, 2019 |
| Instrument | 26677 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2019 |
| Title Company | SHORELINE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,120.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15 SAND CLIFFS DR INLET BEACH FL 324617110, INLET BEACH, FL 32461-7110 |
| Document Number | 31134559 |
|---|---|
| Date | Aug 06, 2019 |
| Book Page | 003113/004559 |
| Instrument | 26678 |
| Name | PARKSIDE LNDG |
|---|---|
| Address | 180 REDWOOD ST # 250, SAN FRANCISCO, CA 94102-3283 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 05, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Dec 21, 2017 |
| Property Address | 15 SAND CLIFFS DR, INLET BEACH, FL 32461-7110 |
| Document Number | 0030602822 |
| Book / Page | 003060 / 002822 |
| Instrument Date | Dec 18, 2017 |
| Instrument | 41767 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,050.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15 SAND CLIFFS DR INLET BEACH FL 324617110, INLET BEACH, FL 32461-7110 |
| Document Number | 30602824 |
|---|---|
| Date | Dec 21, 2017 |
| Book Page | 003060/002824 |
| Instrument | 41768 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 20, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 15 SAND CLIFFS DR, INLET BEACH, FL 32461-7110 |
| Document Number | 0030314922 |
| Instrument Date | Jan 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15 SAND CLIFFS DR PANAMA CITY BEACH FL 324617110, PANAMA CITY BEACH, FL 32461-7110 |
| Document Number | 0030314922 |
|---|---|
| Date | Jan 26, 2017 |
| Book Page | 003031/004922 |
| Instrument | 2641 |
| Name | WALTON FUNDING LLC WALTON FUNDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | INLET BEACH, FL 32413 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 25, 2047 |
Source: Walton County assessment roll as of July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,858,978 (+17.02%) Land $900,000 Building $958,978 | $1,858,978 (+17.02%) Land $900,000 Building $958,978 | |
| 2024 | $12,603.00 (+4.97%) | ||
| 2023 | $12,006.00 (+10.27%) | $1,588,596 (+14.82%) Land $620,000 Building $968,596 | $1,588,596 (+14.82%) Land $620,000 Building $968,596 |
| 2022 | $10,888.00 | $1,383,593 Land $487,889 Building $895,704 | $1,383,593 Land $487,889 Building $895,704 |
Source: FEMA National Flood Hazard Layer, Walton County (12131C), as of June 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121319506111, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
| 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 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: FCC Broadband Data Collection, 96 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Mediacom Communications Cable | 1,000 / 50 |
May also be available: AT&T, Verizon, Wildstar Networks.
Source: EPA Safe Drinking Water Information System, water system FL1660596, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | REGIONAL UTILITIES WATER SYSTEM private · serves 62,225 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures