195 E Mitchell Ave, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 195 E Mitchell Ave, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,744 sqft · built 2018
Lot Size	0.443 acres (19,297 sqft)
Owner	Company Name on File
Last Sale	$4,650,000 (Sep 2022)
Tax Bill	$19,929 (2025)
Deeds & Mortgages	Sep 2022 Sale Sep 2022 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`28-2S-19-24150-00A-0020`

Property Details

APN / Parcel Number

Primary APN	`28-2S-19-24150-00A-0020`
Alternative APNs	`28-219-24150-00A-0020` `1059467`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,744 sqft Living Area
Gross Area	6,097 sqft
1st Floor Area	1,586 sqft
Flooring	Wood
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	19,297 sqft (0.443 acres)
Lot Dimensions	193 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	947 sqft

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	1,398 sqft
Deck Area	Deck Area
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	195 E MITCHELL AVE
City	SANTA ROSA BEACH
State	FL
Zip	32459-5620
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BAYS
Legal Description	LOT 2 BLK A BAYSIDE HEIGHTS RANCHETTES S/D AND ALSO THAT PORTION OF LOT 1 BLK A DESC AS: BEG AT SW/C OF LOT 2 BLK A BAYSIDE HGTS RANCHETTES S/D & RUN N 89 DEG 2200W 15.50FT, RUN N 01 DEG 0300E 47FT, RUN S 88 DEG 5700E 15.50FT, RUN S 01 DEG 0300W 46.8
Legal Range	019
Legal Township	02S
Legal Section	28
Legal Subdivision	BAYSIDE HGTS RANCHETTES
Legal Block	A
Legal Lot Number	2,1
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	3
Census Block	3013
Census Tract	950605

Owner

Source: Walton County assessment roll, as of December 3, 2025

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

Owner of Record	Company Name on File
Mailing Address	1512 RIVERVIEW RD, CHATTANOOGA, TN 37405-3129
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2022	Warranty Deed, Transfer MCNEESE TITLE LLC
Sep 9, 2022	Quit Claim Deed, Transfer MCNEESE TITLE LLC
Jan 28, 2021	Deed of Trust, Mortgage · Line of Credit WHITNEY BANK
Apr 8, 2021	Warranty Deed, Transfer · Conventional Mortgage CAPITAL CITY HOME LOANS LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 9, 2022 · Amount on Record
Deed Sale	Sep 9, 2022 · Amount on Record
Prior Sale	Apr 8, 2021 · Amount on Record
Deed Document Number	202240582
Deed Book / Page	3266 / 617
Prior Transfer Date	Aug 23, 2022
Prior Transfer Doc	0032660615
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 9, 2022
Property Address	195 E MITCHELL AVE, SANTA ROSA BEACH, FL 32459-5620
Document Number	0032660617
Book / Page	3266 / 617
Map Reference	MB 4 PG 32
Instrument Date	Sep 7, 2022
Instrument	20220040582
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$32,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 WINDROW WAY, 12, WATERSOUND, FL 32461-7405

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1512 RIVERVIEW RD, CHATTANOOGA, TN 37405-3129

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Sep 9, 2022
Property Address	195 E MITCHELL AVE, SANTA ROSA BEACH, FL 32459-5620
Document Number	0032660615
Book / Page	3266 / 615
Map Reference	MB 4 PG 32
Instrument Date	Aug 23, 2022
Instrument	20220040581
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	MCNEESE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	185 E MITCHELL AVE, 185, SANTA ROSA BEACH, FL 32459-5620

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1512 RIVERVIEW RD, CHATTANOOGA, TN 37405-3129

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	195 E MITCHELL AVE, SANTA ROSA BEACH, FL 32459-5620
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 611481, ROSEMARY BEACH, FL 32461-1004

Mortgage

Document Number	0031802555
Date	Jan 28, 2021
Book Page	3180/2555
Instrument	20210004108

Lender

Name	WHITNEY BANK
Type	Bank
Address	INLET BEACH, FL 32461

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 8, 2021
Property Address	195 E MITCHELL AVE, SANTA ROSA BEACH, FL 32459-5620
Document Number	0031920232
Book / Page	3192 / 232
Map Reference	MB 4 PG 32
Instrument Date	Apr 2, 2021
Instrument	20210017218
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	BLUE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$21,875.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 611481, ROSEMARY BEACH, FL 32461-1004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 E MITCHELL AVE, SANTA ROSA BEACH, FL 32459-5620
Investor	Possibly a Property Investor

Mortgage

Document Number	0003192234
Date	Apr 8, 2021
Instrument	3192/234

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

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	$19,929.00 (-25.96%)	$2,205,672 (-27.58%) Land $675,000 Building $1,530,672	$2,205,672 (-27.58%) Land $675,000 Building $1,530,672
2024	$26,918.00 (-2.74%)
2023	$27,675.00 (+36.41%)	$3,045,787 (+14.52%) Land $675,000 Building $2,370,787	$3,045,787 (+14.52%) Land $675,000 Building $2,370,787
2022	$20,288.00 Homeowner's exemption	$2,659,614 Land $555,000 Building $2,104,614	$2,659,614 Land $555,000 Building $2,104,614

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	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 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Communications Cable	1,000 / 50

May also be available: Wildstar Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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