20 Snapper St, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 20 Snapper St, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,678 sqft · built 2019
Lot Size	0.142 acres (6,217 sqft)
Owner	Individual Name on File
Last Sale	$982,500 (Feb 2024)
Tax Bill	$8,100 (2024)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Nov 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`12-3S-20-34030-00G-0110`

Property Details

APN / Parcel Number

Primary APN	`12-3S-20-34030-00G-0110`
Alternative APN	`1017020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,678 sqft Living Area
Gross Area	1,768 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,217 sqft (0.142 acres)
Lot Dimensions	7 ft deep x 4.4 ft wide
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1017020
Street Address	20 SNAPPER ST
City	SANTA ROSA BEACH
State	FL
Zip	32459-4512
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLK G BLUE GULF RESORT UNIT 1 PB 3-69 OR 1464-261 &-262 OR 1784-380 OR 3048-705 OR 3113-1554 OR 3272-1345 OR
Legal Range	20W
Legal Township	03S
Legal Section	12
Legal Subdivision	BLUE GULF RESORT UNIT 1
Legal Block	G
Legal Lot Number	11 12
Legal Unit	1
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1035
Census Tract	950606

Owner

20 Snapper St is owned by an individual who bought it in February 2024.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	118 SANDY CV, HOUSTON, TX 77058-4326
Owner Type	Individual

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
Feb 28, 2024	Warranty Deed, Transfer · Conventional Mortgage SYNOVUS BANK
Nov 4, 2022	Warranty Deed, Transfer · Line of Credit RIVER BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2024 · Amount on File
Deed Sale	Feb 28, 2024 · Amount on File
Prior Sale	Nov 4, 2022 · Amount on File
Deed Document Number	20240006793
Deed Book / Page	3316 / 3275
Record Updated	Jun 8, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 28, 2024
Property Address	20 SNAPPER ST, SANTA ROSA BEACH, FL 32459-4512
Document Number	0033163275
Book / Page	3316 / 3275
Map Reference	MB 3 PG 69
Instrument Date	Feb 27, 2024
Instrument	20240006793
Transaction Type	Transfer
Record Updated	Mar 15, 2024
Title Company	LEGACYHOUSE TITLE, LEGACYHOUSE TITLE FL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,877.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 SANDY CV, HOUSTON, TX 77058-4326

Mortgage

Document Number	0033163278
Date	Feb 28, 2024
Instrument	3316/3278

Lender

Name	SYNOVUS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 4, 2022
Property Address	20 SNAPPER ST, SANTA ROSA BEACH, FL 32459-4512
Document Number	0032721345
Book / Page	3272 / 1345
Map Reference	MB 3 PG 69
Instrument Date	Nov 4, 2022
Instrument	20220048822
Transaction Type	Transfer
Record Updated	Nov 24, 2022
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2014 FOREST GLEN CT, 2014, TALLAHASSEE, FL 32303-5100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1145 FALSTAFF DR, ROSWELL, GA 30076-1312

Mortgage

Document Number	0032721347
Date	Nov 4, 2022
Instrument	3272/1347

Lender

Name	RIVER BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

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		$886,798 Land $335,000 Building $551,798	$886,798 Land $335,000 Building $551,798
2024	$8,100.00 (-5.23%)
2023	$8,547.00 (+64.08%)	$940,744 (+36.52%) Land $335,000 Building $605,744	$940,744 (+36.52%) Land $335,000 Building $605,744
2022	$5,209.00	$689,082 Land $218,115 Building $470,967	$689,082 Land $218,115 Building $470,967

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

Flood

FEMA maps place 20 Snapper St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 2005.

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 File median of 413 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	725 units insured incl. 312 condo units
Nearby Flood Claims	12 (2005–2025)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 3 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 20 Snapper St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 369 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 in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink.

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