Walton County property record for 198 E Water St, Inlet Beach, FL 32461
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 2,629 sqft · built 2012 |
| Lot Size | 0.057 acres (2,483 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $3,590,000 (Apr 2022) |
| Tax Bill | $23,630 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-3S-18-16064-032-0030 |
| Primary APN | 35-3S-18-16064-032-0030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,629 sqft Living Area |
| Gross Area | 3,431 sqft |
| 1st Floor Area | 736 sqft |
| Flooring | Wood |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Cathedral/Clerestory |
| 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 | 264 sqft |
| Driveway | Brick Driveway |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 517 sqft |
| Deck Area | Deck Area |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 198 E WATER ST |
|---|---|
| City | INLET BEACH |
| State | FL |
| Zip | 32461-6913 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TND |
| Legal Description | LOT 3 BLK 32 ROSEMARY BEACH PH 6 S/D PB 13-30 OR 2981-1904 OR 2868-2316 OR 2981-1904 OR 3169-2712 |
| Legal Range | 018 |
| Legal Township | 03S |
| Legal Section | 35 |
| Legal Subdivision | ROSEMARY BEACH PH 6 |
| Legal Phase | 6 |
| Legal Block | 32 |
| Legal Lot Number | 3 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1131 |
| Census Tract | 950611 |
Source: Walton County records, as of January 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 12630 UNION RD, CULVER, IN 46511-9776 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 20, 2022 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Nov 18, 2020 | Warranty Deed, Transfer · Conventional Mortgage FIDELITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2022 · Amount on Record |
| Deed Sale | Apr 20, 2022 · Amount on Record |
| Prior Sale | Nov 18, 2020 · Amount on Record |
| Deed Document Number | 202218741 |
| Deed Book / Page | 3248 / 4458 |
| Prior Transfer Date | Jun 23, 2011 |
| Prior Transfer Doc | 0028682316 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Apr 20, 2022 |
| Property Address | 198 E WATER ST, INLET BEACH, FL 32461-6913 |
| Document Number | 0032484458 |
| Book / Page | 3248 / 4458 |
| Map Reference | MB 13 PG 30 |
| Instrument Date | Apr 15, 2022 |
| Instrument | 20220018741 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $25,130.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 149 N NEW HAMPSHIRE ST, 149, COVINGTON, LA 70433-3235 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12630 UNION RD, CULVER, IN 46511-9776 |
| Document Number | 0032484464 |
|---|---|
| Date | Apr 20, 2022 |
| Instrument | 3248/4464 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.97% |
| Type Change Date | May 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.95% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.97% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Nov 18, 2020 |
| Property Address | 198 E WATER ST, INLET BEACH, FL 32461-6913 |
| Document Number | 0031692712 |
| Book / Page | 3169 / 2712 |
| Map Reference | MB 13 PG 30 |
| Instrument Date | Nov 12, 2020 |
| Instrument | 20200047062 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | EMERALD COAST TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $15,575.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 611681, ROSEMARY BEACH, FL 32461-1005 |
| Name | Verified Name |
|---|---|
| Address | 149 N NEW HAMPSHIRE ST, COVINGTON, LA 70433-3235 |
| Document Number | 0031692714 |
|---|---|
| Date | Nov 18, 2020 |
| Instrument | 3169/2714 |
| Name | FIDELITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Type Change Date | Dec 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 6.62% |
| Index | 1-Year CMT |
| Max Rate | 10.6% |
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 | $23,630.00 (-6.94%) | $2,615,230 (-4.27%) Land $850,000 Building $1,765,230 | $2,615,230 (-4.27%) Land $850,000 Building $1,765,230 |
| 2024 | $25,391.00 (+2.29%) | ||
| 2023 | $24,823.00 (+35.05%) | $2,731,977 (+19.26%) Land $775,000 Building $1,956,977 | $2,731,977 (+19.26%) Land $775,000 Building $1,956,977 |
| 2022 | $18,380.00 | $2,290,780 Land $568,576 Building $1,722,204 | $2,290,780 Land $568,576 Building $1,722,204 |
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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