18 Dolphin Ct, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 18 Dolphin Ct, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,628 sqft · built 2019
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$362,000 (Dec 2020)
Tax Bill	$1,796 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-2S-21-42310-00A-0150`

Property Details

APN / Parcel Number

Primary APN	`24-2S-21-42310-00A-0150`
Alternative APN	`24-221-42310-00A-0150`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,628 sqft Living Area
Gross Area	2,280 sqft
1st Floor Area	1,628 sqft
Flooring	Wood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	114 ft deep x 88 ft wide
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	18 DOLPHIN CT
City	SANTA ROSA BEACH
State	FL
Zip	32459-4889
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 15 BLK A SHELTER COVE ESTATES PB 5-8 OR 2723-587 OR 2991-1398 OR 3046-2266 OR 3111-4395 OR 3113-3011 OR 3134-1015 OR 3136-955 OR 3173-2734
Legal Range	021
Legal Township	02S
Legal Section	24
Legal Subdivision	SHELTER COVE ESTATES
Legal Block	A
Legal Lot Number	15
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2010
Census Tract	950604

Owner

Source: Walton County records, as of May 21, 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	18 DOLPHIN CT, SANTA ROSA BEACH, FL 32459-4889
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC
Jul 1, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 15, 2020	Warranty Deed, Transfer · Conventional Mortgage ARVEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2020 · Amount on Record
Deed Sale	Dec 15, 2020 · Amount on Record
Prior Sale	Jul 17, 2019 · Amount on Record
Deed Document Number	202051560
Deed Book / Page	3173 / 2734
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	18 DOLPHIN CT, SANTA ROSA BEACH, FL 32459-4889
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 DOLPHIN CT, SANTA ROSA BEACH, FL 32459-4889

Mortgage

Document Number	0033793521
Date	Dec 3, 2025
Book Page	3379/3521
Instrument	20250044507

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 19, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	18 DOLPHIN CT, SANTA ROSA BEACH, FL 32459-4889
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 DOLPHIN CT, SANTA ROSA BEACH, FL 32459-4889

Mortgage

Document Number	0032051846
Date	Jul 1, 2021
Book Page	3205/1846
Instrument	20210033250

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 15, 2020
Property Address	18 DOLPHIN CT, SANTA ROSA BEACH, FL 32459-4889
Document Number	0031732734
Book / Page	3173 / 2734
Map Reference	MB 5 PG 8
Instrument Date	Dec 14, 2020
Instrument	20200051560
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	COASTAL TITLE AND ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,534.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1225 BLACKHAW LN, 1225, LEANDER, TX 78641-4526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 DOLPHIN CT, SANTA ROSA BEACH, FL 32459-4889

Mortgage

Document Number	0031732736
Date	Dec 15, 2020
Instrument	3173/2736

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

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	$1,796.00 (+2.16%) Homeowner's exemption	$237,464 (-31.22%)	$342,509 (-0.79%) Land $72,675 Building $269,834
2024	$1,758.00 (+4.21%)
2023	$1,687.00 (+1.5%) Homeowner's exemption	$345,227 (+20.33%) Land $72,675 Building $272,552	$345,227 (+20.33%) Land $72,675 Building $272,552
2022	$1,662.00 Homeowner's exemption	$286,891 Land $47,763 Building $239,128	$286,891 Land $47,763 Building $239,128

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

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 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

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 164 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 · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Wildstar Networks.

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