18 Initial Ln, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 18 Initial Ln, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,340 sqft · built 1981
Lot Size	0.34 acres (14,810 sqft)
Owner	Company Name on Record
Last Sale	$650,000 (Jul 2026)
Tax Bill	$3,919 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2022 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`24-2S-21-42273-000-0100`

Property Details

APN / Parcel Number

Primary APN	`24-2S-21-42273-000-0100`
Alternative APNs	`24-221-42273-000-0100` `1044793`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,340 sqft Living Area
Gross Area	2,855 sqft
1st Floor Area	2,340 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2010
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	165 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	375 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	140 sqft
Deck Area	Deck Area
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	18 INITIAL LN
City	SANTA ROSA BEACH
State	FL
Zip	32459-3144
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	N 165.30FT OF E 123FT OF LOT 23, BEING LOT 10 UNREC PLAT OF E 1/2 OF LOT 23 S/D OF SANTA ROSA PLANTATION SEC 24-2S-21W OR 430-93 OR 971-3 OR 1034-230 OR 1579-262 OR 1857-192 OR 3209-1069 OR 3234-4602
Legal Range	021
Legal Township	02S
Legal Section	24
Legal Subdivision	SANTA ROSA
Legal Block	1
Legal Lot Number	23,10
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2007
Census Tract	950604

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	10818 NEWPORT MILL RD, KENSINGTON, MD 20895-1708
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Warranty Deed, Transfer · Conventional Mortgage SUNBELT TITLE COMPANY, SUNBELT TITLE
Mar 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE INVESTORS GROUP INC
Jan 18, 2022	Warranty Deed, Transfer CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC
Jul 28, 2021	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Mar 17, 2020	Deed of Trust, Mortgage · Line of Credit REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2026 · Amount on Record
Deed Sale	Jul 28, 2026 · Amount on Record
Prior Sale	Jan 18, 2022 · Amount on Record
Deed Document Number	202630926
Deed Book / Page	3407 / 979
Prior Transfer Date	Dec 14, 2012
Prior Transfer Doc	0029071209
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 28, 2026
Property Address	18 INITIAL LN, SANTA ROSA BEACH, FL 32459-3144
Document Number	0000030926
Book / Page	3407 / 979
Instrument Date	Jul 22, 2026
Instrument	202630926
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	SUNBELT TITLE COMPANY, SUNBELT TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$459,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	10818 NEWPORT MILL RD, KENSINGTON, MD 20895-1708

Mortgage

Document Number	0000030927,
Date	Jul 28, 2026
Instrument	202630927

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.52%
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	18 INITIAL LN, SANTA ROSA BEACH, FL 32459-3144
Transaction Type	Mortgage
Record Updated	Apr 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1828 E 4TH AVE, SPOKANE, WA 99202-3208

Mortgage

Document Number	0032453659
Date	Mar 31, 2022
Book Page	3245/3659
Instrument	20220015182

Lender

Name	MORTGAGE INVESTORS GROUP INC
Type	Mortgage Company
Address	KNOXVILLE, TN 37923

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 18, 2022
Property Address	18 INITIAL LN, SANTA ROSA BEACH, FL 32459-3144
Document Number	0032344602
Book / Page	3234 / 4602
Instrument Date	Jan 14, 2022
Instrument	20220002422
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Tax	$4,445.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9200 PRENTISS CT, 9200, MONTGOMERY, AL 36117-8468

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 INITIAL LN, SANTA ROSA BEACH, FL 32459-3144

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 28, 2021
Property Address	18 INITIAL LN, SANTA ROSA BEACH, FL 32459-3144
Document Number	0032091069
Book / Page	3209 / 1069
Instrument Date	Jul 26, 2021
Instrument	20210037844
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,493.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3000 PAYNES PL, 3000, THE VILLAGES, FL 32162-7459

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 INITIAL LN, SANTA ROSA BEACH, FL 32459-3144

Mortgage

Document Number	32091071
Date	Jul 28, 2021
Instrument	3209/1071

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	18 INITIAL LN, SANTA ROSA BEACH, FL 32459-3144
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031364273
Date	Mar 17, 2020
Book Page	3136/4273
Instrument	20200009778

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 26, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$3,919.00 (+8.26%)	$433,818 (+7.56%) Land $95,000 Building $338,818	$433,818 (+7.56%) Land $95,000 Building $338,818
2024	$3,620.00 (-1.2%)
2023	$3,664.00 (+8.11%)	$403,308 (+10.29%) Land $50,538 Building $352,770	$403,308 (+10.29%) Land $50,538 Building $352,770
2022	$3,389.00	$365,694 Land $56,097 Building $309,597	$365,694 Land $56,097 Building $309,597

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 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 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 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% 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 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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