Walton County property record for 181 Lullaby Loop, Santa Rosa Beach, FL 32459
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,731 sqft · built 2014 |
| Lot Size | 0.166 acres (7,231 sqft) |
| Owner | Individual Name on File |
| Last Sale | $307,000 (Feb 2018) |
| Tax Bill | $2,257 (2024) |
| Deeds & Mortgages | Jul 2020 Mortgage Feb 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-2S-20-33701-000-0160 |
| Primary APN | 26-2S-20-33701-000-0160 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,731 sqft Living Area |
| Gross Area | 2,575 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2014 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,231 sqft (0.166 acres) |
| Lot Dimensions | 12.1 ft deep x 6 ft wide |
| Garage Type | Finished |
| Garage Area | 504 sqft |
| Porch | Porch |
| Porch Area | 340 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1052229 |
|---|---|
| Street Address | 181 LULLABY LOOP |
| City | SANTA ROSA BEACH |
| State | FL |
| Zip | 32459-8204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 16 WHISPERING LAKE FIRST ADDITION PB 18-83 OR 2917-29 OR 2962-1825 OR 3066-2003 |
| Legal Range | 20W |
| Legal Township | 02S |
| Legal Section | 26 |
| Legal Subdivision | WHISPERING LAKE FIRST ADDITION |
| Legal Lot Number | 16 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 3 |
| Census Block | 3052 |
| Census Tract | 950605 |
181 Lullaby Loop is owned and occupied by an individual who bought it in February 2018.
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 | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 181 LULLABY LOOP, SANTA ROSA BEACH, FL 32459-8204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Feb 27, 2018 | Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2018 · Amount on File |
| Deed Sale | Feb 27, 2018 · Amount on File |
| Prior Sale | Oct 17, 2014 · Amount on File |
| Deed Document Number | 2018000006219 |
| Deed Book / Page | 3066 / 2003 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 181 LULLABY LOOP, SANTA ROSA BEACH, FL 32459-8204 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031521689 |
|---|---|
| Date | Jul 28, 2020 |
| Book Page | 3152/1689 |
| Instrument | 20200027387 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PEWAUKEE, WI 53072 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Feb 27, 2018 |
| Property Address | 181 LULLABY LOOP, SANTA ROSA BEACH, FL 32459-8204 |
| Document Number | 0030662003 |
| Book / Page | 3066 / 2003 |
| Map Reference | MB18 PG83&83A |
| Instrument Date | Feb 6, 2018 |
| Instrument | 2018000006219 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 108 ROLLING MEADOW LN, 108, BOSSIER CITY, LA 71112-9730 |
| Name | Verified Name |
|---|---|
| Address | 93 DUNE LAKES CIR UNIT M107, M107, SANTA ROSA BEACH, FL 32459-8394 |
| Document Number | 2018000006220 |
|---|---|
| Date | Feb 27, 2018 |
| Instrument | 2018000006220 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2048 |
Source: Walton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $422,629 Land $45,000 Building $377,629 | $422,629 Land $45,000 Building $377,629 | |
| 2024 | $2,257.00 (+4.01%) | ||
| 2023 | $2,170.00 (+1.45%) Homeowner's exemption | $439,069 (+20.04%) Land $35,147 Building $403,922 | $439,069 (+20.04%) Land $35,147 Building $403,922 |
| 2022 | $2,139.00 Homeowner's exemption | $365,764 Land $39,013 Building $326,751 | $365,764 Land $39,013 Building $326,751 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 181 Lullaby Loop in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 233 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 233 in force |
| Nearby Flood Claims | 7 (2004–2020) |
| Claims Outside the SFHA | 4 of 7 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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 risk around 181 Lullaby Loop is moderate, ranking above 66% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 43% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | REGIONAL UTILITIES WATER SYSTEM private · serves 62,225 people · EPA ID FL1660596 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2024 |
| Lead | 2 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| CenturyLink Fiber | 2,000 / 1,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
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