Walton County property record for 166 Emerald Rdg, Santa Rosa Beach, FL 32459
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5.5 ba · 4,467 sqft · built 2004 |
| Lot Size | 0.401 acres (17,481 sqft) |
| Owner | Trust Name on File |
| Last Sale | $960,000 (Feb 2014) |
| Tax Bill | $11,722 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-3S-20-34401-00F-0040 |
| Primary APN | 03-3S-20-34401-00F-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 4,467 sqft Living Area |
| Gross Area | 6,193 sqft |
| 1st Floor Area | 2,255 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Other |
| Lot Area | 17,481 sqft (0.401 acres) |
| Garage Type | Attached |
| Garage Area | 720 sqft |
| Driveway | Brick Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 974 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 166 EMERALD RDG |
|---|---|
| City | SANTA ROSA BEACH |
| State | FL |
| Zip | 32459-4350 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 BLK F GULF PLACE PH 2 AT SANTA ROSA BEACH PB 11-4 OR 1314-6 OR 2413-611 OR 24491968 OR 2869-2437 OR 2942-1203 OR 3028-859 |
| Legal Range | 020 |
| Legal Township | 03S |
| Legal Section | 03 |
| Legal Subdivision | SANTA ROSA BEACH |
| Legal Phase | 2 |
| Legal Block | F |
| Legal Lot Number | 4 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 950604 |
166 Emerald Rdg is owner-occupied and held in a trust since July 2016.
Source: Walton County records, as of December 3, 2025
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 166 EMERALD RDG, SANTA ROSA BEACH, FL 32459-4350 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 10, 2014 · Amount on File |
| Deed Sale | Feb 10, 2014 · Amount on File |
| Prior Sale | Nov 12, 2002 · Amount on File |
| Deed Document Number | 20141269728 |
| Deed Book / Page | 2942 / 1203 |
| Last Transfer Date | Jul 11, 2016 |
| Transfer Doc | 0030280859 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 166 EMERALD RDG, SANTA ROSA BEACH, FL 32459-4350 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2021 |
| Name | Verified Name |
|---|---|
| Address | 166 EMERALD RDG, SANTA ROSA BEACH, FL 32459-4350 |
| Document Number | 0032262780 |
|---|---|
| Date | Nov 23, 2021 |
| Book Page | 3226/2780 |
| Instrument | 20210058137 |
| Name | PROGRESS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32541 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 166 Emerald Rdg was $11,722 with a homeowner's exemption, down 38.4% from the year before.
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 | $11,722.00 (-38.38%) Homeowner's exemption | $1,335,938 | $1,693,419 Land $495,000 Building $1,198,419 |
| 2024 | $19,022.00 (-0.41%) | ||
| 2023 | $19,100.00 (+98.03%) | $2,102,130 (+29.4%) Land $385,000 Building $1,717,130 | $2,102,130 (+29.4%) Land $385,000 Building $1,717,130 |
| 2022 | $9,645.00 Homeowner's exemption | $1,624,494 Land $367,788 Building $1,256,706 | $1,624,494 Land $367,788 Building $1,256,706 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 166 Emerald Rdg in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1995.
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 |
|---|---|
| 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 |
|
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 risk around 166 Emerald Rdg 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.
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 262 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: CenturyLink.
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