Walton County property record for 20 E Water St, Inlet Beach, FL 32461
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 2,741 sqft · built 2002 |
| Lot Size | 0.108 acres (4,704 sqft) |
| Owner | Company Name on Record |
| Last Sale | $4,300,000 (May 2026) |
| Tax Bill | $25,207 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit May 2026 Sale + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-3S-18-16064-036-0010 |
| Primary APN | 35-3S-18-16064-036-0010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,741 sqft Living Area |
| Gross Area | 4,413 sqft |
| 1st Floor Area | 901 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Other |
| Lot Area | 4,704 sqft (0.108 acres) |
| Lot Dimensions | 65 ft deep x 56 ft wide |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 644 sqft |
| Deck Area | Deck Area |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 20 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 1 BLK 36 ROSEMARY BEACH PH 6 PB 13-30 OR 2019-184 OR 2711-2292 OR 2843-967 OR 3043-1049 OR 3136-1000 OR 3203-930 |
| Legal Range | 018 |
| Legal Township | 03S |
| Legal Section | 35 |
| Legal Subdivision | ROSEMARY BEACH PH 6 |
| Legal Phase | 6 |
| Legal Block | 36 |
| Legal Lot Number | 1 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1121 |
| Census Tract | 950611 |
Source: Walton County records, as of June 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 2 E SKYLINE DR, GREENBRIER, AR 72058-9525 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Aug 1, 2023 | Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK OF MISSISSIPPI |
| May 12, 2026 | Warranty Deed, Transfer SOUTH OAK TITLE LLC, SOUTH OAK TITLE |
| May 12, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIRST SERVICE BANK |
| Jul 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jun 17, 2021 | Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Mar 11, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Jun 5, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 12, 2026 · Amount on Record |
| Deed Sale | May 12, 2026 · Amount on Record |
| Prior Sale | May 12, 2026 · Amount on Record |
| Deed Document Number | 202619397 |
| Deed Book / Page | 3398 / 250 |
| Prior Transfer Date | Mar 30, 2006 |
| Prior Transfer Doc | 0027171331 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 20 E WATER ST, INLET BEACH, FL 32461 |
| Transaction Type | Mortgage |
| Record Updated | Jun 4, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3401 ROBINSON RD NE, MARIETTA, GA 30068-2472 |
| Document Number | 0032972623 |
|---|---|
| Date | Aug 1, 2023 |
| Book Page | 3297/2623 |
| Instrument | 20230027334 |
| Name | COMMUNITY BANK OF MISSISSIPPI |
|---|---|
| Type | Bank |
| Address | FLOWOOD, MS 39232 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | May 12, 2026 |
| Property Address | 20 E WATER ST, INLET BEACH, FL 32461 |
| Document Number | 0033980008 |
| Book / Page | 3398 / 8 |
| Instrument Date | May 12, 2026 |
| Instrument | 202619329 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2026 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH OAK TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $707.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 2 E SKYLINE DR, GREENBRIER, AR 72058-9525 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | May 12, 2026 |
| Property Address | 20 E WATER ST, INLET BEACH, FL 32461 |
| Document Number | 0033980250 |
| Book / Page | 3398 / 250 |
| Instrument Date | May 12, 2026 |
| Instrument | 202619397 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2026 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH OAK TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,040,100.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 2 E SKYLINE DR, GREENBRIER, AR 72058-9525 |
| Document Number | 0000019398, |
|---|---|
| Date | May 12, 2026 |
| Instrument | 202619398 |
| Name | FIRST SERVICE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 12, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 20 E WATER ST, INLET BEACH, FL 32461 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3401 ROBINSON RD NE, MARIETTA, GA 30068-2472 |
| Document Number | 0032062814 |
|---|---|
| Date | Jul 9, 2021 |
| Book Page | 3206/2814 |
| Instrument | 20210034635 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jun 17, 2021 |
| Property Address | 20 E WATER ST, INLET BEACH, FL 32461 |
| Document Number | 0032030930 |
| Book / Page | 3203 / 930 |
| Map Reference | MB 13 PG 30 |
| Instrument Date | Jun 11, 2021 |
| Instrument | 20210030685 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 E WATER ST, 20, ROSEMARY BEACH, FL 32461 |
| Name | Verified Name |
|---|---|
| Address | 20 E WATER ST, ROSEMARY BEACH, FL 32461 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 11, 2020 |
| Property Address | 20 E WATER ST, INLET BEACH, FL 32461 |
| Document Number | 0031361000 |
| Book / Page | 003136 / 001000 |
| Instrument Date | Mar 10, 2020 |
| Instrument | 8966 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 20 E WATER ST ROSEMARY BEACH FL 32461, ROSEMARY BEACH, FL 32461 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jun 5, 2017 |
| Property Address | 20 E WATER ST, INLET BEACH, FL 32461 |
| Document Number | 0030431049 |
| Book / Page | 003043 / 001049 |
| Instrument Date | May 31, 2017 |
| Instrument | 18194 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6418 JOCELYN HOLLOW RD NASHVILLE TN 372053522, NASHVILLE, TN 37205-3522 |
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 | $25,207.00 (-9.9%) | $2,789,774 (+29.26%) Land $850,000 Building $1,939,774 | $2,789,774 (+29.26%) Land $850,000 Building $1,939,774 |
| 2024 | $27,978.00 (+47.01%) | ||
| 2023 | $19,031.00 (+10.83%) | $2,158,244 (+16.47%) Land $775,000 Building $1,383,244 | $2,158,244 (+16.47%) Land $775,000 Building $1,383,244 |
| 2022 | $17,172.00 | $1,853,024 Land $625,433 Building $1,227,591 | $1,853,024 Land $625,433 Building $1,227,591 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures