199 E Water St, Inlet Beach, FL 32461 Property Records

Walton County property record for 199 E Water St, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,164 sqft · built 2001
Lot Size	0.099 acres (4,312 sqft)
Owner	2 Company Names on Record
Last Sale	$100 (May 2016)
Tax Bill	$23,338 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-3S-18-16064-031-0050`

Property Details

APN / Parcel Number

Primary APN	`35-3S-18-16064-031-0050`
Alternative APNs	`35-318-16064-031-0050` `1080274`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,164 sqft Living Area
Gross Area	4,211 sqft
1st Floor Area	1,386 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Concrete Block/Stucco
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	4,312 sqft (0.099 acres)
Lot Dimensions	60 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	484 sqft
Porch	Finished/Open Porch
Porch Area	539 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	199 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 5 BLK 31 ROSEMARY BEACH PH 6 PB 13-30 OR 1910-368 OR 2890-1284 OR 2955-843 OR 2996-899 OR 3011-2886
Legal Range	018
Legal Township	03S
Legal Section	35
Legal Subdivision	ROSEMARY BEACH PH 6
Legal Phase	6
Legal Block	31
Legal Lot Number	5
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1015
Census Tract	950611

Owner

Source: Walton County records, as of October 12, 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	3949 STRATON HALL WAY, MARIETTA, GA 30066-3082
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2016 · Amount on Record
Deed Sale	May 1, 2016 · Amount on Record
Prior Sale	Oct 1, 2015 · Amount on Record
Deed Book / Page	3011 / 2886
Prior Transfer Date	May 9, 2012
Prior Transfer Doc	0028901284
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	199 E WATER ST, INLET BEACH, FL 32461
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3949 STRATON HALL WAY, MARIETTA, GA 30066-3082

Mortgage

Document Number	0031653687
Date	Oct 23, 2020
Book Page	3165/3687
Instrument	20200042661

Lender

Name	BNY MELLON NA
Type	Bank
Address	BOSTON, MA 02108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.5%
Index	1-Year LIBOR
Max Rate	7.5%

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	$23,338.00 (-0.1%)	$2,741,977 (-4.87%) Land $850,000 Building $1,891,977	$2,741,977 (-4.87%) Land $850,000 Building $1,891,977
2024	$23,361.00 (+6.14%)
2023	$22,009.00 (+11.31%)	$2,882,374 (+16.84%) Land $775,000 Building $2,107,374	$2,882,374 (+16.84%) Land $775,000 Building $2,107,374
2022	$19,772.00	$2,467,015 Land $597,005 Building $1,870,010	$2,467,015 Land $597,005 Building $1,870,010

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

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 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	Hurricane Sally, Sep 2020 · 2 claims Hurricane Frances, Sep 2004 · 2 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 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.

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 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.