169 Ann St E, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 169 Ann St E, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Other Improved
Details	2 bd · 1 ba · 960 sqft · built 1989
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$50,000 (Nov 2022)
Tax Bill	$407 (2024)
Deeds & Mortgages	Nov 2022 Sale Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`22-2S-20-33120-073-0230`

Property Details

APN / Parcel Number

Primary APN	`22-2S-20-33120-073-0230`
Alternative APN	`1039840`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft
Flooring	Plywood

Exterior

Year Built	Built 1989
Exterior Material	Other
Lot Area	6,098 sqft (0.139 acres)
Lot Dimensions	12.5 ft deep x 5 ft wide
Porch	Porch
Porch Area	56 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1039840
Street Address	169 ANN ST E
City	SANTA ROSA BEACH
State	FL
Zip	32459-3950
Property Category	Other
Property Type	Other > Other Improved
Legal Description	LOT 23 BLK 73 TOWN OF SANTA ROSA PB 2-61 OR 442-294 OR 669-42 OR 2428-873 OR 2537-1270 OR 2629-429 OR 3108-897 OR 3122-2295
Legal Range	20W
Legal Township	02S
Legal Section	22
Legal Subdivision	TOWN OF SANTA ROSA
Legal Block	73
Legal Lot Number	23 24
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2009
Census Tract	950605

Owner

169 Ann St E is owned by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Mailing Address	4209 W 21ST ST, PANAMA CITY, FL 32405-1424
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
Nov 14, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Aug 29, 2022	Warranty Deed, Transfer · Conventional Mortgage ALL IN FCU
Oct 29, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Jun 11, 2019	Warranty Deed, Transfer MCNEESE TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2022 · Amount on File
Deed Sale	Nov 14, 2022 · Amount on File
Prior Sale	Aug 29, 2022 · Amount on File
Deed Document Number	20220049524
Deed Book / Page	3272 / 3767
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 14, 2022
Property Address	169 ANN ST E, SANTA ROSA BEACH, FL 32459-3950
Document Number	0032723767
Book / Page	3272 / 3767
Map Reference	MB 2 PG 61
Instrument Date	Nov 8, 2022
Instrument	20220049524
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1416 FAITH RD, KOKOMO, IN 46901-2519

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4209 W 21ST ST, PANAMA CITY, FL 32405-1424
Investor	Possibly a Property Investor

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 29, 2022
Property Address	169 ANN ST E, SANTA ROSA BEACH, FL 32459-3950
Document Number	0032644366
Book / Page	3264 / 4366
Map Reference	MB 2 PG 61
Instrument Date	Aug 24, 2022
Instrument	20220039100
Transaction Type	Transfer
Record Updated	Sep 12, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$619.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1416 FAITH RD, 1416, KOKOMO, IN 46901-2519

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 STEPHENS RD, DEFUNIAK SPRINGS, FL 32435-6450

Mortgage

Document Number	0032644368
Date	Aug 29, 2022
Instrument	3264/4368

Lender

Name	ALL IN FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2037

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 29, 2019
Property Address	169 ANN ST E, SANTA ROSA BEACH, FL 32459-3950
Document Number	0031222295
Book / Page	003122 / 002295
Instrument Date	Oct 25, 2019
Instrument	37785
Transaction Type	Transfer
Record Updated	Nov 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$350.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1416 FAITH RD KOKOMO IN 469012519, KOKOMO, IN 46901-2519

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 11, 2019
Property Address	169 ANN ST E, SANTA ROSA BEACH, FL 32459-3950
Document Number	0031080597
Book / Page	003108 / 000597
Instrument Date	Jun 7, 2019
Instrument	19114
Transaction Type	Transfer
Record Updated	Jun 26, 2019
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$227.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 CYPRESS DR SANTA ROSA BEACH FL 324598588, SANTA ROSA BEACH, FL 32459-8588

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		$50,000 Land $50,000	$50,000 Land $50,000
2024	$407.00 (+11.51%)
2023	$365.00 (+68.2%)	$40,250 (+45.05%) Land $40,250	$40,250 (+45.05%) Land $40,250
2022	$217.00	$27,750 Land $27,750	$27,750 Land $27,750

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

Flood

FEMA maps place 169 Ann St E in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 354 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	354 in force
Nearby Flood Claims	22 (2004–2025)
Most Recent Claim	Mar 2025 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 8 claims Hurricane Michael, Oct 2018 · 3 claims Hurricane Frances, Sep 2004 · 3 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 169 Ann St E is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% 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 151 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, Point Broadband.

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