196 Windsong Dr, Inlet Beach, FL 32461 Property Records

Walton County property record for 196 Windsong Dr, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.25 ba · 4,174 sqft · built 2024
Lot Size	0.368 acres (16,030 sqft)
Owner	2 Individual Names on File
Last Sale	$3,568,000 (Jul 2024)
Tax Bill	$27,287 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2024 Sale + 2 more
Flood Zone	Zone A (high risk)
APN	`22-3S-18-16102-000-0240`

Property Details

APN / Parcel Number

Primary APN	`22-3S-18-16102-000-0240`
Alternative APN	`22-318-16102-000-0240`

Interior

Bedrooms	4 Beds
Full Baths	4.25 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,174 sqft Living Area
Gross Area	5,682 sqft
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	16,030 sqft (0.368 acres)
Lot Dimensions	162 ft deep x 89 ft wide
Garage Type	Attached
Garage Area	702 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	196 WINDSONG DR
City	INLET BEACH
State	FL
Zip	32461-7486
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 24 WATERSOUND CAMP CREEK PHS 1B PB 24-1 OR 3231-2326 OR 3271-3835 OR 3330-3296 OR 3331-4425
Legal Subdivision	WATERSOUND CAMP CREEK
Legal Block	2
Legal Lot Number	24
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1042
Census Tract	950610

Owner

196 Windsong Dr is owned by two individuals who bought it in July 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	10135 REGATTA SHORE DR, MISSOURI CITY, TX 77459-5325
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Jul 29, 2024	Warranty Deed, Transfer UNKNOWN, 850 TITLE LLC
Nov 1, 2022	Warranty Deed, Transfer · Line of Credit WHEELER COUNTY STATE BANK
Dec 27, 2021	Special Warranty Deed, Transfer · Commercial Mortgage WHITNEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2024 · Amount on File
Deed Sale	Jul 16, 2024 · Amount on File
Prior Sale	Nov 1, 2022 · Amount on File
Deed Document Number	202424989
Deed Book / Page	3330 / 3296
Prior Transfer Date	Jul 12, 2024
Prior Transfer Doc	0033314425
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	196 WINDSONG DR, INLET BEACH, FL 32461-7486
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 WINDSONG DR, INLET BEACH, FL 32461-7486

Mortgage

Document Number	0033920069
Date	Mar 25, 2026
Book Page	3392/69
Instrument	20260011371

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company
Address	ALLEN, TX 75013

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 29, 2024
Property Address	196 WINDSONG DR, INLET BEACH, FL 32461-7486
Document Number	0033314425
Book / Page	3331 / 4425
Map Reference	MB 24 PG 1-5
Instrument Date	Jul 12, 2024
Instrument	20240026605
Transaction Type	Transfer
Record Updated	Jan 12, 2026
Title Company	UNKNOWN, 850 TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 N RICHARD JACKSON BLVD STE 102, 102, PANAMA CITY BEACH, FL 32407-2669

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10135 REGATTA SHORE DR, MISSOURI CITY, TX 77459-5325

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 1, 2022
Property Address	196 WINDSONG DR, INLET BEACH, FL 32461-7486
Document Number	0032713835
Book / Page	3271 / 3835
Map Reference	MB 24 PG 1-5
Instrument Date	Oct 28, 2022
Instrument	20220048160
Transaction Type	Transfer
Record Updated	Feb 20, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,265.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	491 PISCES DR, SANTA ROSA BEACH, FL 32459-5405

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 N RICHARD JACKSON BLVD STE 102, 102, PANAMA CITY BEACH, FL 32407-2669

Mortgage

Document Number	0032713839
Date	Nov 1, 2022
Instrument	3271/3839

Lender

Name	WHEELER COUNTY STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

December 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 27, 2021
Property Address	196 WINDSONG DR, INLET BEACH, FL 32461-7486
Document Number	0032312326
Book / Page	3231 / 2326
Map Reference	MB 24 PG 1-5
Instrument Date	Dec 20, 2021
Instrument	20210063882
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$3,815.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 N RICHARD JACKSON BLVD STE 200, 200, PANAMA CITY BEACH, FL 32407-2669

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 PISCES DR, SANTA ROSA BEACH, FL 32459-5405

Mortgage

Document Number	0032312330
Date	Dec 27, 2021
Instrument	3231/2330

Lender

Name	WHITNEY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 21, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 196 Windsong Dr was $27,287, up 321.6% 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	$27,287.00 (+321.55%)	$3,020,009 Land $735,000 Building $2,285,009	$3,020,009 Land $735,000 Building $2,285,009
2024	$6,473.00 (-2.87%)
2023	$6,664.00 (+9,996.97%)	$733,425 (+10,149.09%) Land $733,425	$733,425 (+10,149.09%) Land $733,425
2022	$66.00	$7,156 Land $7,156	$7,156 Land $7,156

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

Flood

FEMA maps place 196 Windsong Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 196 Windsong Dr is moderate, ranking above 64% 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 64% of the US · above 41% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Wildstar Networks Fixed Wireless	200 / 50

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

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