185 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 185 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 3,110 sqft · built 2015
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$689,900 (Mar 2017)
Tax Bill	$10,987 (2024)
Deeds & Mortgages	Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-3S-19-25010-000-1170`

Property Details

APN / Parcel Number

Primary APN	`11-3S-19-25010-000-1170`
Alternative APN	`1015805`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,110 sqft Living Area
Gross Area	4,390 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2015
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	6,098 sqft (0.139 acres)
Lot Dimensions	12.2 ft deep x 4.1 ft wide
Garage Type	Mixed
Garage Area	250 sqft
Porch	Porch
Porch Area	880 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1015805
Street Address	185 FLATWOODS FOREST LOOP
City	SANTA ROSA BEACH
State	FL
Zip	32459-8845
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 117 NATUREWALK AT SEAGROVE PB 17 PG 34 REPLAT IN PB 18-8 OR 2844-4432 OR 3036-4344
Legal Range	19W
Legal Township	03S
Legal Section	11
Legal Subdivision	NATUREWALK AT SEAGROVE
Legal Lot Number	117
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1006
Census Tract	950610

Owner

185 Flatwoods Forest Loop is owned and occupied by an individual who bought it in March 2017.

Source: Walton County records, as of December 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	185 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8845
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2017 · Amount on File
Deed Sale	Mar 28, 2017 · Amount on File
Deed Document Number	0009435
Deed Book / Page	3036 / 4344
Record Updated	Jun 8, 2026

March 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 28, 2017
Property Address	185 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8845
Document Number	0030364344
Book / Page	3036 / 4344
Map Reference	MB18 PG8
Instrument Date	Mar 7, 2017
Instrument	0009435
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	K TITLE INSURANCE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 S OLIVE AVE # 104, 701, WEST PALM BEACH, FL 33401-6104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1601 GOLDEN LEAF WAY, LOUISVILLE, KY 40245-6514

Mortgage

Document Number	0030364346
Date	Mar 28, 2017
Instrument	3036/4346

Lender

Name	CTC MORTGAGE COMPANY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$1,267,966 Land $294,000 Building $973,966	$1,267,966 Land $294,000 Building $973,966
2024	$10,987.00 (+4.79%)
2023	$10,485.00 (+0.72%) Homeowner's exemption	$1,473,272 (+7.5%) Land $292,861 Building $1,180,411	$1,473,272 (+7.5%) Land $292,861 Building $1,180,411
2022	$10,410.00 Homeowner's exemption	$1,370,537 Land $325,076 Building $1,045,461	$1,370,537 Land $325,076 Building $1,045,461

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

Flood

FEMA maps place 185 Flatwoods Forest 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 645 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,249 units insured incl. 604 condo units
Nearby Flood Claims	16 (2004–2023)
Claims Outside the SFHA	10 of 16
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 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

Wildfire risk around 185 Flatwoods Forest Loop is moderate, ranking above 65% 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 65% of the US · above 42% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

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