22 E Bermuda Dr, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 22 E Bermuda Dr, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Vacant Land
Lot Size	0.213 acres (9,300 sqft)
Owner	Trust Name on File
Last Sale	$10,750,000 (Oct 2025)
Tax Bill	$6,721 (2024)
Deeds & Mortgages	Oct 2025 Transfer Oct 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-3S-20-34700-000-0720`

Property Details

APN / Parcel Number

Primary APN	`12-3S-20-34700-000-0720`
Alternative APN	`1017831`

Exterior

Lot Area	9,300 sqft (0.213 acres)

Location & Zoning

Account Number	1017831
Street Address	22 E BERMUDA DR
City	SANTA ROSA BEACH
State	FL
Zip	32459-7522
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	LOT 72 THE RETREAT PB 14-4 OR 2036-401 &-403 OR 2525-1968 OR 2631-610 OR 3133-696 OR 3155-730 OR 3193-4328 OR 3373-4967 OR
Legal Range	20W
Legal Township	03S
Legal Section	12
Legal Subdivision	RETREAT THE
Legal Lot Number	72
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1037
Census Tract	950606

Owner

22 E Bermuda Dr, vacant land, is held in a trust since October 2025.

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

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	16817 EAGLE BLUFF CT, CHESTERFIELD, MO 63005-4499
Owner Type	Company
Vesting	Trust

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
Oct 21, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Oct 10, 2025	Warranty Deed, Transfer UNKNOWN, 850 TITLE
Apr 21, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Aug 14, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Oct 10, 2025 · Amount on File
Deed Sale	Oct 10, 2025 · Amount on File
Prior Sale	Oct 10, 2025 · Amount on File
Deed Document Number	0033734967
Deed Book / Page	3373 / 4967
Last Transfer Date	Oct 21, 2025
Transfer Doc	0033744763
Record Updated	Jun 8, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Oct 21, 2025
Property Address	22 E BERMUDA DR, SANTA ROSA BEACH, FL 32459-7522
Document Number	0033744763
Book / Page	3374 / 4763
Map Reference	MB 14 PG 4
Instrument Date	Oct 10, 2025
Instrument	20250038383
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16817 EAGLE BLUFF CT, CHESTERFIELD, MO 63005-4499

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	16817 EAGLE BLUFF CT, CHESTERFIELD, MO 63005-4499

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 10, 2025
Property Address	22 E BERMUDA DR, SANTA ROSA BEACH, FL 32459-7522
Document Number	0033734967
Book / Page	3373 / 4967
Map Reference	MB 14 PG 4
Instrument Date	Oct 9, 2025
Instrument	20250037139
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	UNKNOWN, 850 TITLE

Transaction

Amount	Amount on Record
Tax	$75,250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	85 TRAILHEAD DR, INLET BEACH, FL 32461-9521

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16817 EAGLE BLUFF CT, CHESTERFIELD, MO 63005-4499

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 21, 2021
Property Address	22 E BERMUDA DR, SANTA ROSA BEACH, FL 32459-7522
Document Number	0031934328
Book / Page	3193 / 4328
Map Reference	MB 14 PG 4
Instrument Date	Apr 21, 2021
Instrument	20210019350
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$6,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 MOUNTAIN BROOK PARK, MOUNTAIN BRK, AL 35213-3639

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	107 BLACKWATER ST, SANTA ROSA BEACH, FL 32459-7178

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 14, 2020
Property Address	22 BERMUDA, SANTA ROSA BEACH, FL 32459
Document Number	0031550730
Book / Page	003155 / 000730
Instrument Date	Aug 14, 2020
Instrument	30572
Transaction Type	Transfer
Record Updated	Sep 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$4,830.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	103 MOUNTAIN BROOK PARK MOUNTAIN BROOK AL 352133639, MOUNTAIN BROOK, AL 35213-3639

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		$1,134,000 (+54.11%) Land $1,134,000	$1,134,000 (+54.11%) Land $1,134,000
2024	$6,721.00 (+0.52%)	$735,853 (-) Land $735,853	$735,853 (-) Land $735,853
2023	$6,686.00 (-11.67%)	$735,853 (-9.91%) Land $735,853	$735,853 (-9.91%) Land $735,853
2022	$7,569.00	$816,770 Land $816,770	$816,770 Land $816,770

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 22 E Bermuda Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
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 22 E Bermuda Dr is moderate, ranking above 43% of the US, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.04% 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 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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