Walton County property record for 21 Sapling St, Inlet Beach, FL 32461
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,770 sqft · built 2020 |
| Lot Size | 0.207 acres (9,060 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,650,000 (Jul 2023) |
| Tax Bill | $10,459 (2024) |
| Deeds & Mortgages | Jul 2023 Sale Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-3S-18-16241-000-0700 |
| Primary APN | 25-3S-18-16241-000-0700 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 2,770 sqft Living Area |
| Gross Area | 4,678 sqft |
| Interior Walls | Custom/Decorative |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,060 sqft (0.207 acres) |
| Lot Dimensions | 14 ft deep x 6.5 ft wide |
| Garage Type | Finished |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 21 SAPLING ST |
|---|---|
| City | INLET BEACH |
| State | FL |
| Zip | 32461-7453 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 70 STILLWATER AT WATERSOUND PH 2 PB 21-72 OR 3119-1000 OR 3152-169 OR 3295-3184 |
| Legal Range | 18W |
| Legal Township | 03S |
| Legal Section | 25 |
| Legal Subdivision | STILLWATER/WATERSOUND-PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 70 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 950610 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4985 KERRINGTON BLVD, BARGERSVILLE, IN 46106-8311 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2023 | Warranty Deed, Transfer AQUA TITLE SERVICES |
| Jul 27, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2023 · Amount on Record |
| Deed Sale | Jul 13, 2023 · Amount on Record |
| Prior Sale | Jul 27, 2020 · Amount on Record |
| Deed Document Number | 0032953184 |
| Deed Book / Page | 3295 / 3184 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jul 13, 2023 |
| Property Address | 21 SAPLING ST, INLET BEACH, FL 32461-7453 |
| Document Number | 0032953184 |
| Book / Page | 3295 / 3184 |
| Map Reference | MB 21 PG 72&73 |
| Instrument Date | Jul 13, 2023 |
| Instrument | 20230024805 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2023 |
| Title Company | AQUA TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Tax | $11,550.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2657 BUTTERFLY JASMINE TRL, SARASOTA, FL 34240-1229 |
| Name | Verified Name |
|---|---|
| Address | 4985 KERRINGTON BLVD, BARGERSVILLE, IN 46106-8311 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jul 27, 2020 |
| Property Address | 21 SAPLING ST, INLET BEACH, FL 32461-7453 |
| Document Number | 0031520169 |
| Book / Page | 3152 / 169 |
| Map Reference | MB 21 PG 72&73 |
| Instrument Date | Jul 24, 2020 |
| Instrument | 20200027008 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | RODGERS KIEFER TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,098.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 5244, NICEVILLE, FL 32578-5244 |
| Name | Verified Name |
|---|---|
| Address | 21 SAPLING ST, INLET BEACH, FL 32461-7453 |
| Document Number | 0003152171 |
|---|---|
| Date | Jul 27, 2020 |
| Instrument | 3152/171 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.37% |
| Type Change Date | Aug 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 4.3% |
| Index | 1-Year LIBOR |
| Max Rate | 7.37% |
Source: Walton County assessment roll, as of July 1, 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 | $993,295 (-13.3%) Land $150,000 Building $843,295 | $993,295 (-13.3%) Land $150,000 Building $843,295 | |
| 2024 | $10,459.00 (+71.09%) | ||
| 2023 | $6,113.00 (+9.28%) Homeowner's exemption | $1,145,622 (+45.83%) Land $91,300 Building $1,054,322 | $1,145,622 (+45.83%) Land $91,300 Building $1,054,322 |
| 2022 | $5,594.00 Homeowner's exemption | $785,581 Land $101,343 Building $684,238 | $785,581 Land $101,343 Building $684,238 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 412 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 412 in force |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2020 · other causes |
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 | High above 73% of the US · above 58% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| WOW Internet, Cable & Phone Fiber | 1,000 / 50 |
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