Walton County property record for 190 E Water St, Inlet Beach, FL 32461
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,344 sqft · built 2000 |
| Lot Size | 0.057 acres (2,483 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $1,930,000 (Jul 2020) |
| Tax Bill | $18,999 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jan 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-3S-18-16064-032-0020 |
| Primary APN | 35-3S-18-16064-032-0020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,344 sqft Living Area |
| Gross Area | 3,028 sqft |
| 1st Floor Area | 748 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 2,483 sqft (0.057 acres) |
| Lot Dimensions | 77 ft deep x 32 ft wide |
| Garage Type | Attached |
| Garage Area | 242 sqft |
| Driveway | Brick Driveway |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 762 sqft |
| Deck Area | Deck Area |
| Patio Area | 186 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 190 E WATER ST |
|---|---|
| City | INLET BEACH |
| State | FL |
| Zip | 32461 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TND |
| Legal Description | LOT 2 BLK 32 ROSEMARY BEACH PH 6 S/D PB 13-30 OR 1865-195 OR 3152-4075 |
| Legal Range | 018 |
| Legal Township | 03S |
| Legal Section | 35 |
| Legal Subdivision | ROSEMARY BEACH PH 6 |
| Legal Phase | 6 |
| Legal Block | 32 |
| Legal Lot Number | 2 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1131 |
| Census Tract | 950611 |
Source: Walton County records, as of June 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 211 LAGRANGE CREEK DR, EADS, TN 38028-8015 |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Jul 24, 2026 | Warranty Deed, Transfer · Conventional Mortgage HOMEXPRESS MORTGAGE CORPORATION |
| Jan 4, 2019 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Apr 22, 2019 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Jul 31, 2020 | Warranty Deed, Transfer LANDMARK COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2020 · Amount on Record |
| Deed Sale | Jul 31, 2020 · Amount on Record |
| Prior Sale | Mar 25, 2004 · Amount on Record |
| Deed Document Number | 202027927 |
| Deed Book / Page | 3152 / 4075 |
| Prior Transfer Date | Nov 5, 2003 |
| Prior Transfer Doc | 0000790003 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jul 24, 2026 |
| Property Address | 190 E WATER ST, INLET BEACH, FL 32461 |
| Document Number | 0000030374 |
| Book / Page | 3406 / 3854 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 202630374 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | MCNEESE TITLE LLC, MCNEESE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,456,825.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 4426 BOULDER LAKE CIR, VESTAVIA, AL 35242-7494 |
| Document Number | 0000030375, |
|---|---|
| Date | Jul 24, 2026 |
| Instrument | 202630375 |
| Name | HOMEXPRESS MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 190 E WATER ST, INLET BEACH, FL 32461 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0030941367 |
|---|---|
| Date | Jan 4, 2019 |
| Book Page | 3094/1367 |
| Instrument | 20190000332 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Dec 12, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 190 E WATER ST, INLET BEACH, FL 32461 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0031030627 |
|---|---|
| Date | Apr 22, 2019 |
| Book Page | 3103/0627 |
| Instrument | 20190012473 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 2, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jul 31, 2020 |
| Property Address | 190 E WATER ST, INLET BEACH, FL 32461 |
| Document Number | 0031524075 |
| Book / Page | 3152 / 4075 |
| Map Reference | MB 13 PG 30&30A |
| Instrument Date | Jul 30, 2020 |
| Instrument | 20200027927 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | COASTAL TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $13,510.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 610, MANDEVILLE, LA 70470-0610 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 190 E WATER ST, ROSEMARY BEACH, FL 32461 |
| Document Number | 0031524079 |
|---|---|
| Date | Jul 31, 2020 |
| Instrument | 3152/4079 |
| Name | LANDMARK COMMUNITY BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Aug 1, 2050 |
Source: Walton County assessment roll, as of December 3, 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 | $18,999.00 (+0.62%) | $2,257,405 (-3.59%) Land $850,000 Building $1,407,405 | $2,257,405 (-3.59%) Land $850,000 Building $1,407,405 |
| 2024 | $18,881.00 (+6.04%) | ||
| 2023 | $17,806.00 (+12.74%) | $2,341,491 (+19.56%) Land $775,000 Building $1,566,491 | $2,341,491 (+19.56%) Land $775,000 Building $1,566,491 |
| 2022 | $15,794.00 | $1,958,472 Land $568,576 Building $1,389,896 | $1,958,472 Land $568,576 Building $1,389,896 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 846 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1,737 units insured incl. 891 condo units |
| Nearby Flood Claims | 9 (2004–2020) |
| Claims Outside the SFHA | 4 of 9 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
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 429 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 | 2,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: REV, Verizon, Wildstar Networks, WOW Internet, Cable & Phone, Xfinity.
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