183 Bay Circle Dr, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 183 Bay Circle Dr, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,152 sqft · built 1983
Lot Size	0.404 acres (17,598 sqft)
Owner	Individual Name on Record
Last Sale	$480,000 (May 2019)
Tax Bill	$7,117 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2024 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`19-2S-20-33130-003-0140`

Property Details

APN / Parcel Number

Primary APN	`19-2S-20-33130-003-0140`
Alternative APNs	`19-220-33130-003-0140` `1032940`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,152 sqft Living Area
Gross Area	2,731 sqft
1st Floor Area	1,676 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2005
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	17,598 sqft (0.404 acres)
Lot Dimensions	235 ft deep x 75 ft wide
Porch	Open/Unfinished Porch
Porch Area	571 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	183 BAY CIRCLE DR
City	SANTA ROSA BEACH
State	FL
Zip	32459-3355
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BAYS
Legal Description	LOT 14 BLK 3 SANTA ROSA BEACH EST S/D OR 59-510 OR 841-134 OR 1057-267 OR 1755-219 OR 2478-1455 OR 2879-4549 OR 3106-4352
Legal Range	020
Legal Township	02S
Legal Section	19
Legal Subdivision	SANTA ROSA BEACH EST
Legal Block	3
Legal Lot Number	14
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	4
Census Block	4000
Census Tract	950604

Owner

Source: Walton County records, as of June 30, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	183 BAY CIRCLE DR, SANTA ROSA BEACH, FL 32459-3355
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Sep 23, 2024	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NATIONAL BANK & TRUST
May 30, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERICAN NATIONAL BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2019 · Amount on Record
Deed Sale	May 30, 2019 · Amount on Record
Prior Sale	Dec 20, 2011 · Amount on Record
Deed Document Number	201917477
Deed Book / Page	3106 / 4352
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Recording Date	Jun 12, 2026
Property Address	183 BAY CIRCLE DR, SANTA ROSA BEACH, FL 32459-3355
Document Number	0000024332
Book / Page	3402 / 528
Instrument Date	Jun 10, 2026
Instrument	202624332
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	183 BAY CIRCLE DR, SANTA ROSA BEACH, FL 32459-3355

Mortgage

Document Number	0000024332,
Date	Jun 12, 2026
Book Page	3402/528
Instrument	202624332

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Jun 1, 2028

Interest

Rate	6.36%
Max Rate	-1%

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	183 BAY CIRCLE DR, SANTA ROSA BEACH, FL 32459-3355
Transaction Type	Mortgage
Record Updated	Nov 12, 2025
Title Company	BLUE TITLE LLC, BLUETITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	183 BAY CIRCLE DR, SANTA ROSA BEACH, FL 32459-3355

Mortgage

Document Number	0033364329
Date	Sep 23, 2024
Book Page	3336/4329
Instrument	20240033422

Lender

Name	AMERICAN NATIONAL BANK & TRUST
Type	Bank
Address	WICHITA FALLS, TX 76308

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	8.25%
Max Rate At Change	10.2%
Max Rate	14.2%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 30, 2019
Property Address	183 BAY CIRCLE DR, SANTA ROSA BEACH, FL 32459-3355
Document Number	0031064352
Book / Page	3106 / 4352
Map Reference	MB 3 PG 32
Instrument Date	May 20, 2019
Instrument	20190017477
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	BLUE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1218 PINEY GROVE RD, 1218, CHIPLEY, FL 32428-4050

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8600 MORAINE DR, FRISCO, TX 75034-5846

Mortgage

Document Number	0031064354
Date	May 30, 2019
Instrument	3106/4354

Lender

Name	AMERICAN NATIONAL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Jun 1, 2026

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	$7,117.00 (+2.08%)	$1,062,684 (-0.57%) Land $543,750 Building $518,934	$1,062,684 (-0.57%) Land $543,750 Building $518,934
2024	$6,972.00 (+24.52%)	$1,068,827 (+32.38%) Land $543,750 Building $525,077	$1,068,827 (+32.38%) Land $543,750 Building $525,077
2023	$5,599.00 (+32.84%)	$807,396 (+59.03%) Land $487,500 Building $319,896	$807,396 (+59.03%) Land $487,500 Building $319,896
2022	$4,215.00	$507,707 Land $158,129 Building $349,578	$507,707 Land $158,129 Building $349,578

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 124 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	124 in force
Nearby Flood Claims	4 (2020)
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 3 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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within 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	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

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 63 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

May also be available: Wildstar Networks.

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