1. Home
  2. Florida
  3. Walton County
  4. Inlet Beach
  5. Lady Bug Ct

21 Lady Bug Ct, Inlet Beach, FL 32461 Property Records

Walton County property record for 21 Lady Bug Ct, Inlet Beach, FL 32461

Property Summary

Property TypeSingle Family Home
Details5 bd · 6 ba · 4,596 sqft · built 2018
Lot Size0.089 acres (3,920 sqft)
Owner2 Individual Names on Record
Last Sale$4,275,000 (Jan 2021)
Tax Bill$45,339 (2023)
Deeds & MortgagesJun 2019 Mortgage
Jan 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-3S-18-16400-00B-0040

Property Details

APN / Parcel Number

Primary APN26-3S-18-16400-00B-0040
Alternative APN
  • 1053814

Interior

Bedrooms5 Beds
Full Baths6 Baths
Stories2 Stories
Building Area4,596 sqft Living Area
Gross Area6,496 sqft
Interior WallsCustom/Decorative
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2018
Exterior MaterialStucco
Roof TypeCathedral/Clerestory
Roof MaterialConcrete Tile
Lot Area3,920 sqft (0.089 acres)
Lot Width4 ft Width
Garage TypeFinished
Garage Area380 sqft
PorchPorch
Porch Area760 sqft
Patio Area760 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number1053814
Street Address21 LADY BUG CT
CityINLET BEACH
StateFL
Zip32461-8225
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 4 BLK B ALYS BEACH PH 1A-1 PB 17-11 A REPLAT OF ALYS BEACH PH 1A PB 16-10 OR 2956-1188 OR 3069-839 OR 3177-1675
Legal Range18W
Legal Township03S
Legal Section26
Legal SubdivisionALYS BEACH PH 1A-1
Legal BlockB
Legal Lot Number4
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group1
Census Block1071
Census Tract950611

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Co-ownerCo-owner on Record
Mailing Address3603 QUAIL HOLLOW RD, ALBANY, GA 31721-2836
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 20, 2019Deed of Trust, Mortgage · ARM
MORGAN STANLEY PRIVATE BANK NA
Jan 5, 2021Warranty Deed, Transfer · Conventional Mortgage
CIBC BANK USA
Mar 28, 2018Warranty Deed, Transfer
RELI TITLE

Assessor's Deed Record

Deed Names3 Names on Deed
Last SaleJan 5, 2021 · Amount on Record
Deed SaleJan 5, 2021 · Amount on Record
Prior SaleMar 28, 2018 · Amount on Record
Deed Document Number20210000407
Deed Book / Page3177 / 1675
Record UpdatedJun 8, 2026

June 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWALTON FL
Property Address21 LADY BUG CT, INLET BEACH, FL 32461-8225
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0031090485
DateJun 20, 2019
Book Page3109/0485
Instrument20190020416
Lender
NameMORGAN STANLEY PRIVATE BANK NA
TypeBank
AddressCINCINNATI, OH 45245
Agreement
TypeARM
AmountAmount Recorded
Term361 Months
DueJul 1, 2049
Interest
Rate TypeAdjustable Rate
Rate3.65%
AdjustableAdjustable Rate Rider
Type Change DateJul 1, 2029
Change FrequencyAnnually
Min Rate At Change2.5%
Max Rate At Change8.65%
Index1-Year LIBOR
Max Rate8.65%

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateJan 5, 2021
Property Address21 LADY BUG CT, INLET BEACH, FL 32461-8225
Document Number0031771675
Book / Page3177 / 1675
Map ReferenceMB 17 PG 11&11D
Instrument DateDec 30, 2020
Instrument20210000407
Transaction TypeTransfer
Record UpdatedDec 30, 2021
Title CompanyELIM TITLE LLC, RELI TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$29,925.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address75 14TH ST NE STE 2200, 75, ATLANTA, GA 30309-3693

Transferred To (Grantee/Buyer)

NameVerified Name
Address3603 QUAIL HOLLOW RD, ALBANY, GA 31721-2836

Mortgage

Document Number0031771676
DateJan 5, 2021
Instrument3177/1676
Lender
NameCIBC BANK USA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2051
Interest
Rate TypeAdjustable Rate
Rate2.25%
Type Change DateJan 1, 2031
Change FrequencyAnnually
Min Rate At Change2.5%
Max Rate At Change7.25%
Index1-Year LIBOR
Max Rate7.25%

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateMar 28, 2018
Property Address21 LADY BUG CT, INLET BEACH, FL 32461-8225
Document Number0030690839
Book / Page003069 / 000839
Instrument DateMar 22, 2018
Instrument9914
Transaction TypeTransfer
Record UpdatedApr 10, 2018
Title CompanyRELI TITLE

Transaction

AmountAmount Recorded
Tax$24,465.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address75 14TH ST NE #2200 ATLANTA GA 303093693, 2200, ATLANTA, GA 30309-3693

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,639,474 (+8.51%) Land $1,494,540 Building $4,144,934$5,639,474 (+8.51%) Land $1,494,540 Building $4,144,934
2023$45,339.00 (+4.79%)$5,196,976 (+4.92%) Land $1,494,540 Building $3,702,436$5,196,976 (+4.92%) Land $1,494,540 Building $3,702,436
2022$43,267.00$4,953,148 Land $585,038 Building $4,368,110$4,953,148 Land $585,038 Building $4,368,110

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 846 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1,737 units insured
incl. 891 condo units
Nearby Flood Claims9 (2004–2020)
Claims Outside the SFHA4 of 9
Most Recent ClaimSep 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 RiskModerate
above 44% of the US · lower than 85% of Florida
Wildfire Likelihood0.06% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemREGIONAL UTILITIES WATER SYSTEM
private · serves 62,225 people · EPA ID FL1660596
Water SourceGroundwater
Last State InspectionJul 2024
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 177 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
LiveOak Fiber
Fiber		5,000 / 5,000
WOW Internet, Cable & Phone
Fiber		1,000 / 50

May also be available: AT&T, Mediacom Xtream, T-Mobile, Verizon, Wildstar Networks.

Nearby Properties on Lady Bug Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures