176 E Lamb Dr, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 176 E Lamb Dr, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,630 sqft · built 2004
Lot Size	0.303 acres (13,199 sqft)
Owner	2 Owner Names on File
Last Sale	$241,000 (Mar 2009)
Tax Bill	$2,839 (2024)
Deeds & Mortgages	Mar 2017 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-2S-21-42130-000-0120`

Property Details

APN / Parcel Number

Primary APN	`25-2S-21-42130-000-0120`
Alternative APN	`1047790`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,630 sqft Living Area
Gross Area	2,168 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2004
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,199 sqft (0.303 acres)
Lot Dimensions	18.9 ft deep x 7 ft wide

Exterior Amenities

Porch	Porch
Porch Area	258 sqft
Deck Area	Deck Area
Patio Area	120 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1047790
Street Address	176 E LAMB DR
City	SANTA ROSA BEACH
State	FL
Zip	32459-7133
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 MACK BAYOU PINES S/D PB 15-27 OR 2594-1150 OR 2644-577 OR 2812-4218
Legal Range	21W
Legal Township	02S
Legal Section	25
Legal Subdivision	MACK BAYOU PINES S/D
Legal Lot Number	12
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2013
Census Tract	950604

Owner

The current owner of 176 E Lamb Dr acquired it in March 2009.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Owner Names on File
Mailing Address	18 PELICAN BAY DR, SANTA ROSA BEACH, FL 32459-3279

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2017	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jan 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2009 · Amount on File
Deed Sale	Mar 16, 2009 · Amount on File
Prior Sale	Feb 27, 2004 · Amount on File
Deed Document Number	0028124218
Deed Book / Page	2812 / 4218
Last Transfer Date	Mar 18, 2009
Transfer Doc	0028124218
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	176 E LAMB DR, SANTA ROSA BEACH, FL 32459-7133
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030364699
Date	Mar 28, 2017
Book Page	3036/4699
Instrument	0009546

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	176 E LAMB DR, SANTA ROSA BEACH, FL 32459-7133
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031313426
Date	Jan 30, 2020
Book Page	3131/3426
Instrument	20200003294

Lender

Name	EGLIN FCU
Type	Credit Union
Address	FORT WALTON BEACH, FL 32547

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

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		$334,480 Land $85,000 Building $249,480	$334,480 Land $85,000 Building $249,480
2024	$2,839.00 (+3.16%)
2023	$2,752.00 (+12.93%)	$395,905 (+19.24%) Land $72,675 Building $323,230	$395,905 (+19.24%) Land $72,675 Building $323,230
2022	$2,437.00	$332,030 Land $45,221 Building $286,809	$332,030 Land $45,221 Building $286,809

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

Flood

FEMA maps place 176 E Lamb Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 193 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	193 in force
Nearby Flood Claims	3 (2020–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 2 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 176 E Lamb Dr is moderate, ranking above 57% 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 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	3 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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Cox Communications, Wildstar Networks.

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