187 N Ryan St, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 187 N Ryan St, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Vacant Land
Lot Size	0.069 acres (3,022 sqft)
Owner	Company Name on File
Last Sale	$205,000 (May 2013)
Tax Bill	$2,349 (2025)
Deeds & Mortgages	Jul 2026 Construction Loan May 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-3S-19-25472-000-0060`

Property Details

APN / Parcel Number

Primary APN	`24-3S-19-25472-000-0060`
Alternative APNs	`24-319-25472-000-0060` `1046776`

Exterior

Lot Area	3,022 sqft (0.069 acres)

Location & Zoning

Street Address	187 N RYAN ST
City	SANTA ROSA BEACH
State	FL
Zip	32459-7530
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	LOT 6 SUMMERS EDGE 3RD ADD S/D PB 15-30 OR 2474-708 OR 2709-3976 OR 2863-2375 OR 2865-725 OR 2882-4619 OR 2882-4629 OR 2921-442
Legal Range	019
Legal Township	03S
Legal Section	24
Legal Subdivision	SUMMERS EDGE 3RD ADD
Legal Lot Number	6
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1066
Census Tract	950610

Owner

187 N Ryan St, vacant land, is owned by a company that bought it in May 2013.

Source: Walton County records, as of August 14, 2026

Owner of Record	Company Name on File
Mailing Address	4808 E CO HIGHWAY 30 # A, A, SANTA ROSA BEACH, FL 32459
Owner Type	Company
Vesting	Company

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

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · Construction Mortgage FIRST SECURITY BANK
May 16, 2025	Deed of Trust, Mortgage · Commercial Mortgage FIRST SECURITY BANK
Jun 27, 2019	Deed of Trust, Mortgage · Line of Credit SERVISFIRST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2013 · Amount on File
Deed Sale	May 28, 2013 · Amount on File
Prior Sale	Feb 2, 2012 · Amount on File
Deed Document Number	20131239494
Deed Book / Page	2921 / 442
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Recording Date	Jul 30, 2026
Property Address	187 N RYAN ST, SANTA ROSA BEACH, FL 32459-7530
Document Number	0000031322
Book / Page	3407 / 2637
Instrument Date	Jul 23, 2026
Instrument	202631322
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	4808 E COUNTY HIGHWAY 30A, SANTA ROSA BEACH, FL 32459-6546

Mortgage

Document Number	0000031322,
Date	Jul 30, 2026
Book Page	3407/2637
Instrument	202631322

Lender

Name	FIRST SECURITY BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 22, 2027

Interest

Rate	6.49%
Max Rate	-1%

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	187 N RYAN ST, SANTA ROSA BEACH, FL 32459-7530
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4808 E COUNTY HIGHWAY 30A, SANTA ROSA BEACH, FL 32459-6546

Mortgage

Document Number	0033584318
Date	May 16, 2025
Book Page	3358/4318
Instrument	20250017279

Lender

Name	FIRST SECURITY BANK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	May 15, 2030

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	187 N RYAN ST, SANTA ROSA BEACH, FL 32459
Document Number	0031101334
Instrument Date	Jun 27, 2019
Transaction Type	Mortgage
Record Updated	Jul 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4808 COUNTY ROAD 30-A E FORT WALTON BEACH FL 32549, FORT WALTON BEACH, FL 32549

Mortgage

Document Number	0031101334
Date	Jul 1, 2019
Book Page	003110/001334
Instrument	21844

Lender

Name	SERVISFIRST BK
Type	Bank
Address	PENSACOLA, FL 32502

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 187 N Ryan St was $2,349, down 1.1% from the year before.

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	$2,349.00 (-1.09%)	$260,043 Land $260,043	$260,043 Land $260,043
2024	$2,375.00 (+0.55%)
2023	$2,362.00 (-3.43%)	$260,043 (-9.97%) Land $260,043	$260,043 (-9.97%) Land $260,043
2022	$2,446.00	$288,848 Land $288,648 Building $200	$288,848 Land $288,648 Building $200

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

Flood

FEMA maps place 187 N Ryan St in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 2004.

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
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 187 N Ryan St is moderate, ranking above 48% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.08% 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 340 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
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, REV, WOW Internet, Cable & Phone.

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