199 Sand Cliffs Dr, Inlet Beach, FL 32461 Property Records

Walton County property record for 199 Sand Cliffs Dr, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 3,716 sqft · built 2017
Lot Size	0.173 acres (7,536 sqft)
Owner	Individual Name on Record
Last Sale	$399,000 (Jun 2015)
Tax Bill	$11,960 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`27-3S-18-16053-00B-0080`

Property Details

APN / Parcel Number

Primary APN	`27-3S-18-16053-00B-0080`
Alternative APN	`1057373`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Stories	2 Stories
Building Area	3,716 sqft Living Area
Gross Area	5,321 sqft
Flooring	Concrete/Cement
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2017
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Tin
Lot Area	7,536 sqft (0.173 acres)
Lot Dimensions	14.5 ft deep x 5.2 ft wide
Garage Type	Finished
Garage Area	690 sqft

Exterior Amenities

Porch	Porch
Porch Area	915 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1057373
Street Address	199 SAND CLIFFS DR
City	INLET BEACH
State	FL
Zip	32461-7112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLK B SAND CLIFFS S/D 2ND ADDITION PB 5-32 OR 2230-248 OR 2982-1181
Legal Range	18W
Legal Township	03S
Legal Section	27
Legal Subdivision	SAND CLIFFS S/D
Legal Block	B
Legal Lot Number	8
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1002
Census Tract	950611

Owner

Source: Walton County records, as of December 17, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	199 SAND CLIFFS DR, INLET BEACH, FL 32461-7112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 5, 2017	Loan Modification, Mortgage SUNTRUST MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 19, 2015 · Amount on Record
Deed Sale	Jun 19, 2015 · Amount on Record
Prior Sale	Jun 9, 2000 · Amount on Record
Deed Document Number	2015661327013
Deed Book / Page	2982 / 1181
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	199 SAND CLIFFS DR, INLET BEACH, FL 32461-7112
Transaction Type	Mortgage
Record Updated	Apr 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	199 SAND CLIFFS DR, INLET BEACH, FL 32461-7112

Mortgage

Document Number	0031883164
Date	Mar 19, 2021
Book Page	3188/3164
Instrument	20210013356

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

April 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	199 SAND CLIFFS DR, INLET BEACH, FL 32461-7112
Document Number	0030451945
Book / Page	003045 / 001945
Instrument Date	Apr 5, 2017
Transaction Type	Mortgage
Record Updated	Jul 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	199 SAND CLIFFS DR PANAMA CITY BEACH FL 324617112, PANAMA CITY BEACH, FL 32461-7112

Mortgage

Document Number	0030451945
Date	Jun 29, 2017
Book Page	003045/001945
Instrument	21340

Lender

Name	SUNTRUST MTG
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2047

Interest

Rate Type	Fixed Rate
Rate	3.97%

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$4,378,401 (+51.02%) Land $2,150,000 Building $2,228,401	$4,378,401 (+51.02%) Land $2,150,000 Building $2,228,401
2024	$11,960.00 (+11.16%)
2023	$10,759.00 (+1.07%) Homeowner's exemption	$2,899,222 (+36.01%) Land $1,300,000 Building $1,599,222	$2,899,222 (+36.01%) Land $1,300,000 Building $1,599,222
2022	$10,645.00 Homeowner's exemption	$2,131,650 Land $1,443,000 Building $688,650	$2,131,650 Land $1,443,000 Building $688,650

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
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 93% of the US · lower than 94% 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 96 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	1,000 / 50

May also be available: AT&T, Verizon, Wildstar Networks.

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