219 E Shallows Dr, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 219 E Shallows Dr, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,743 sqft · built 1991
Lot Size	0.451 acres (19,646 sqft)
Owner	2 Individual Names on File
Last Sale	$2,370,000 (Jul 2023)
Tax Bill	$12,105 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2023 Sale & Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`26-2S-19-24000-001-0060`

Property Details

APN / Parcel Number

Primary APN	`26-2S-19-24000-001-0060`
Alternative APNs	`26-219-24000-001-0060` `1051698`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,743 sqft Living Area
Gross Area	7,159 sqft
1st Floor Area	2,178 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2022
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,646 sqft (0.451 acres)
Lot Dimensions	207 ft deep x 95 ft wide
Garage Type	Attached
Garage Area	560 sqft
Driveway	Brick Driveway

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	585 sqft
Deck Area	Deck Area
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	219 E SHALLOWS DR
City	SANTA ROSA BEACH
State	FL
Zip	32459-5676
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BAYS
Legal Description	COM SW/C OF GOVT LOT 2, S 88 DEG 29'56E ALG N LN OF SW1/4 OF SW1/4 OF SEC 1239.27FT N 04 DEG 00'10E 20.13FT, N 52 DEG 15'54W 224.95FT TO POB CONT N 52 DEG 15'54W 95FT, N 38 DEG 07'48E 234FT TO WATER'S EDGE OF A CANAL, MEANDER SELY ALONG WATER'S EDGE
Legal Range	019
Legal Township	02S
Legal Section	26
Legal Subdivision	THE SHALLOWS SUBDIVISION PLAT
Legal Block	100
Legal Lot Number	2
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	3
Census Block	3034
Census Tract	950605

Owner

219 E Shallows Dr is owned and occupied by two individuals who bought it in July 2023.

Source: Walton County records, as of May 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	219 E SHALLOWS DR, SANTA ROSA BEACH, FL 32459-5676
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage OCMBC INC
Jul 13, 2023	Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Sep 19, 2019	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
Oct 5, 2020	Warranty Deed, Transfer · Line of Credit FIRST PORT CITY BANK
Oct 3, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2023 · Amount on File
Deed Sale	Jul 13, 2023 · Amount on File
Prior Sale	Oct 5, 2020 · Amount on File
Deed Document Number	202324702
Deed Book / Page	3295 / 2842
Prior Transfer Date	Jun 12, 2003
Prior Transfer Doc	0000769077
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Recording Date	Apr 30, 2026
Property Address	219 E SHALLOWS DR, SANTA ROSA BEACH, FL 32459-5676
Document Number	0000017264
Book / Page	3396 / 2070
Instrument Date	Apr 24, 2026
Instrument	202617264
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	219 E SHALLOWS DR, SANTA ROSA BEACH, FL 32459-5676

Mortgage

Document Number	0000017264,
Date	Apr 30, 2026
Book Page	3396/2070
Instrument	202617264

Lender

Name	OCMBC INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 13, 2023
Property Address	219 E SHALLOWS DR, SANTA ROSA BEACH, FL 32459-5676
Document Number	0032952842
Book / Page	3295 / 2842
Map Reference	MB 9 PG 1
Instrument Date	Jul 12, 2023
Instrument	20230024702
Transaction Type	Transfer
Record Updated	Aug 4, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$16,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 PARADISE PLZ, SARASOTA, FL 34239-6905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	219 E SHALLOWS DR, SANTA ROSA BEACH, FL 32459-5676

Mortgage

Document Number	0032952845
Date	Jul 13, 2023
Instrument	3295/2845

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Type Change Date	Aug 1, 2024
Change Frequency	6 Months
Min Rate At Change	6.5%
Max Rate At Change	10.5%
Index	Other
Max Rate	13.5%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	219 E SHALLOWS DR, SANTA ROSA BEACH, FL 32459-5676
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031181785
Date	Sep 19, 2019
Book Page	3118/1785
Instrument	20190032342

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 5, 2020
Property Address	219 E SHALLOWS DR, SANTA ROSA BEACH, FL 32459-5676
Document Number	0031623689
Book / Page	3162 / 3689
Map Reference	MB 9 PG 1
Instrument Date	Oct 1, 2020
Instrument	20200039187
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4927, SANTA ROSA BEACH, FL 32459-4927

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	219 E SHALLOWS DR, SANTA ROSA BEACH, FL 32459-5676

Mortgage

Document Number	0031623691
Date	Oct 5, 2020
Instrument	3162/3691

Lender

Name	FIRST PORT CITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2040

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Oct 3, 2017
Property Address	219 E SHALLOWS DR, SANTA ROSA BEACH, FL 32459-5676
Document Number	0030534669
Book / Page	003053 / 004669
Instrument Date	Sep 29, 2017
Instrument	32582
Transaction Type	Transfer
Record Updated	Oct 19, 2017

Transaction

Amount	Amount on Record
Tax	$1,750.00
Amount Accuracy	Confirmed
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	219 E SHALLOWS DR SANTA ROSA BEACH FL 324595676, SANTA ROSA BEACH, FL 32459-5676

Tax Assessment & Valuation

The 2025 property tax bill for 219 E Shallows Dr was $12,105, down 3.9% from the year before.

Source: Walton County assessment roll, as of December 3, 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	$12,105.00 (-3.85%)	$1,378,371 Land $345,000 Building $1,033,371	$1,378,371 Land $345,000 Building $1,033,371
2024	$12,590.00 (+13.24%)
2023	$11,118.00 (+192.19%)	$1,416,931 (+216.94%) Land $383,560 Building $1,033,371	$1,416,931 (+216.94%) Land $383,560 Building $1,033,371
2022	$3,805.00	$447,068 Land $127,813 Building $319,255	$447,068 Land $127,813 Building $319,255

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 219 E Shallows Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 233 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	233 in force
Nearby Flood Claims	7 (2004–2020)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 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 219 E Shallows Dr is moderate, ranking above 48% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless · Fiber in parts of the area	25 / 3

May also be available: CenturyLink, Verizon, Wildstar Networks.

Nearby Properties on E Shallows Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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