174 Rooks Bluff Rd, Ponce De Leon, FL 32455 Property Records

Walton County property record for 174 Rooks Bluff Rd, Ponce De Leon, FL 32455

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,265 sqft · built 1992
Lot Size	0.789 acres (34,369 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Mar 2022)
Tax Bill	$382 (2025)
Deeds & Mortgages	Aug 2024 Sale Aug 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-1S-17-07000-004-0140`

Property Details

APN / Parcel Number

Primary APN	`06-1S-17-07000-004-0140`
Alternative APNs	`06-117-07000-004-0140` `1009131`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,265 sqft Living Area
Gross Area	1,601 sqft
1st Floor Area	897 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2000
Exterior Material	Concrete Brick/Composition
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	34,369 sqft (0.789 acres)
Lot Dimensions	181 ft deep x 190 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Patio
Porch Area	336 sqft
Utility Building	160 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	174 ROOKS BLUFF RD
City	PONCE DE LEON
State	FL
Zip	32455-4215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GA
Legal Description	COM AT NW/C OF GOVT LOT 2, S 01 DEG 1527E 1651.62FT, N 86 DEG 5933E 218.45FT TO POB, N 03 DEG 0207W 50FT, N 33 DEG 4003E 220.59 FT TO SLY SIDE OF CO RD, S 47 DEG 0230E 178.10FT, S 03 DEG 0207E 92.30 FT, S 86 DEG 5933W 262.75 FT TO POB. OR 1031-41 OR
Legal Range	017
Legal Township	01S
Legal Section	06
Legal Block	401
Legal Lot Number	2
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	3
Census Block	3023
Census Tract	950501

Owner

Source: Walton County records, as of October 13, 2026

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 Record
Mailing Address	22406 LAKEVIEW DR, PANAMA CITY BEACH, FL 32413-5103
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2024	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Aug 29, 2024	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Mar 22, 2022	Warranty Deed, Transfer · Line of Credit FIRST PORT CITY BANK
Nov 13, 2020	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2022 · Amount on Record
Deed Sale	Mar 22, 2022 · Amount on Record
Prior Sale	Nov 13, 2020 · Amount on Record
Deed Document Number	202213612
Deed Book / Page	3244 / 1868
Record Updated	Oct 29, 2026

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 29, 2024
Property Address	174 ROOKS BLUFF RD, PONCE DE LEON, FL 32455-4215
Document Number	0033342918
Book / Page	3334 / 2918
Instrument Date	Aug 29, 2024
Instrument	20240030477
Transaction Type	Transfer
Record Updated	Jan 12, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2500 N SLAPPEY BLVD, ALBANY, GA 31701-1012

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	22406 LAKEVIEW DR, PANAMA CITY BEACH, FL 32413-5103

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 29, 2024
Property Address	174 ROOKS BLUFF RD, PONCE DE LEON, FL 32455-4215
Document Number	0033342918
Book / Page	3334 / 2918
Instrument Date	Aug 28, 2024
Instrument	20240030477
Transaction Type	Transfer
Record Updated	Sep 16, 2024
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2500 N SLAPPEY BLVD, ALBANY, GA 31701-1012

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	22406 LAKEVIEW DR, PANAMA CITY BEACH, FL 32413-5103

Mortgage

Document Number	20240030478
Date	Aug 29, 2024
Instrument	20240030478

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 22, 2022
Property Address	174 ROOKS BLUFF RD, PONCE DE LEON, FL 32455-4215
Document Number	0032441868
Book / Page	3244 / 1868
Instrument Date	Mar 21, 2022
Instrument	20220013612
Transaction Type	Transfer
Record Updated	Apr 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1594 PARKWOOD CT W, 1594, NICEVILLE, FL 32578-8746

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2500 N SLAPPEY BLVD, ALBANY, GA 31701-1012

Mortgage

Document Number	0032441870
Date	Mar 22, 2022
Instrument	3244/1870

Lender

Name	FIRST PORT CITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Mar 21, 2023

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 13, 2020
Property Address	174 ROOKS BLUFF RD, PONCE DE LEON, FL 32455-4215
Document Number	0168444427
Book / Page	316844 / 004427
Instrument Date	Nov 12, 2020
Instrument	46289
Transaction Type	Transfer
Record Updated	Dec 3, 2020
Title Company	MITCHELL LAND AND TITLE, MITCHELL LAND & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,015.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 QUAIL RIDGE RD DEFUNIAK SPRINGS FL 324356389, DEFUNIAK SPRINGS, FL 32435-6389

Mortgage

Document Number	31684430
Date	Nov 13, 2020
Book Page	003168/004430
Instrument	46290

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2050

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 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	$382.00 (-62.4%)	$73,909 (-35.17%)	$129,993 (+14.03%) Land $22,000 Building $107,993
2024	$1,016.00 (-0.68%)
2023	$1,023.00 (+144.15%)	$114,001 (+9.25%) Land $13,531 Building $100,470	$114,001 (+9.25%) Land $13,531 Building $100,470
2022	$419.00 Homeowner's exemption	$104,345 Land $15,020 Building $89,325	$104,345 Land $15,020 Building $89,325

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 Record median of 26 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Sep 2020 · Hurricane Sally

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

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

Wildfire Risk	Moderate above 65% of the US · above 41% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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