Walton County property record for 178 McDowell St, Santa Rosa Beach, FL 32459
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,398 sqft · built 2001 |
| Lot Size | 0.293 acres (12,763 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $3,573 (2025) |
| Deeds & Mortgages | Jul 2022 Transfer Apr 2021 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 19-2S-20-33090-000-0100 |
| Primary APN | 19-2S-20-33090-000-0100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,398 sqft Living Area |
| Gross Area | 4,207 sqft |
| 1st Floor Area | 1,524 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 12,763 sqft (0.293 acres) |
| Lot Dimensions | 160 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Driveway | Brick Driveway |
| Porch | Finished Screened Porch |
|---|---|
| Porch Area | 1,108 sqft |
| Deck Area | Deck Area |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 178 MCDOWELL ST |
|---|---|
| City | SANTA ROSA BEACH |
| State | FL |
| Zip | 32459-3168 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BYHEWE |
| Legal Description | LOT 10 LAS RABLES GRANDE S/D UNREC DESC AS: COM SW/C GON LOT 42 SRP SEC 19-2S-20W, E 945FT ALG S BDY LOT 42 ON SHORE OF HEWETT BAYOU, N 46 DEG 00W 201.54FT TO POB, N 17 DEG 32W 99.63FT, S 80 DEG 40W 106.70FT, S 73 DEG 56W 55FT TO CURVE ON CUL DE SAC |
| Legal Range | 020 |
| Legal Township | 02S |
| Legal Section | 19 |
| Legal Subdivision | LAS RABLES GRANDE |
| Legal Block | 1 |
| Legal Lot Number | 10,42 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 950604 |
Source: Walton County records · APN 19-2S-20-33090-000-0100
Assessment roll updated December 3, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 3320 W COUNTY HIGHWAY 30A, SANTA ROSA BEACH, FL 32459-5313 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Jul 05, 2022 | Intrafamily Transfer, Transfer |
| Apr 14, 2021 | Deed of Trust, Mortgage · Line of Credit FNBT BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Jun 23, 2022 |
| Transfer Doc | 0032583587 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jul 05, 2022 |
| Property Address | 178 MCDOWELL ST, SANTA ROSA BEACH, FL 32459-3168 |
| Document Number | 0032583587 |
| Book / Page | 3258 / 3587 |
| Instrument Date | Jun 23, 2022 |
| Instrument | 20220031056 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3320 W COUNTY HIGHWAY 30A, 3320, SANTA ROSA BEACH, FL 32459-4593 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 3320 W COUNTY HIGHWAY 30A, SANTA ROSA BEACH, FL 32459-4593 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 178 MCDOWELL ST, SANTA ROSA BEACH, FL 32459-3168 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2021 |
| Name | Verified Name |
|---|---|
| Address | 178 MCDOWELL ST, SANTA ROSA BEACH, FL 32459-3168 |
| Document Number | 0031924016 |
|---|---|
| Date | Apr 14, 2021 |
| Book Page | 3192/4016 |
| Instrument | 20210018128 |
| Name | FNBT BANK |
|---|---|
| Type | Bank |
| Address | FORT WALTON BEACH, FL 32549 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Walton County records · Assessment roll updated December 3, 2025 · Last verified April 2026
| 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 | $3,573.00 (+1.97%) | $434,118 (-35.22%) | $871,098 (+29.99%) Land $480,000 Building $391,098 |
| 2024 | $3,504.00 (+3.88%) | ||
| 2023 | $3,373.00 (+1.26%) Homeowner's exemption | $670,136 (+2.25%) Land $269,430 Building $400,706 | $670,136 (+2.25%) Land $269,430 Building $400,706 |
| 2022 | $3,331.00 Homeowner's exemption | $655,373 Land $299,067 Building $356,306 | $655,373 Land $299,067 Building $356,306 |
Source: FEMA National Flood Hazard Layer as of June 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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 |
|
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | None beyond 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
May also be available: Wildstar Networks.
Based on FCC filings for 115 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SOUTH WALTON UTILITY COMPANY private · serves 26,668 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 3 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.
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