221 Sand Cliffs Dr, Inlet Beach, FL 32461 Property Records

Walton County property record for 221 Sand Cliffs Dr, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,712 sqft · built 2022
Lot Size	0.173 acres (7,536 sqft)
Owner	2 Company Names on File
Last Sale	$4,700,000 (Dec 2023)
Tax Bill	$38,694 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Dec 2023 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`27-3S-18-16053-00B-0110`

Property Details

APN / Parcel Number

Primary APN	`27-3S-18-16053-00B-0110`
Alternative APNs	`27-318-16053-00B-0110` `1057376`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,712 sqft Living Area
Gross Area	5,679 sqft
Flooring	Wood

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	7,536 sqft (0.173 acres)
Lot Dimensions	145 ft deep x 52 ft wide
Garage Type	Attached
Garage Area	538 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	221 SAND CLIFFS DR
City	INLET BEACH
State	FL
Zip	32461-7113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 11 BLK B 2ND ADD TO SAND CLIFFS S/D PB 5-32 OR 1466-162 OR 2428-753 OR 2923-1745 OR 2997-1065 OR 3162-3476 OR 3240-1413 OR 3256-3628 OR 3256-3630 OR 3310-2129
Legal Range	018
Legal Township	03S
Legal Section	27
Legal Subdivision	SAND CLIFFS
Legal Block	B
Legal Lot Number	11
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1002
Census Tract	950611

Owner

Source: Walton County records · APN 27-3S-18-16053-00B-0110

Assessment roll updated December 3, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	7347 CHARLOTTE PIKE, NASHVILLE, TN 37209-5011
Owner Type	Company
Vesting	Trust, Irrevocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL STATE BANK
Dec 15, 2023	Warranty Deed, Transfer SHORELINE TITLE LLC
Jun 17, 2022	Intrafamily Transfer, Transfer FIRST COMMERCIAL BANK
Jun 17, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Feb 24, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 06, 2019	Deed of Trust, Mortgage · Line of Credit PRIME MERIDIAN BANK
Oct 05, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 15, 2023 · Amount on Record
Deed Sale	Dec 15, 2023 · Amount on Record
Prior Sale	Jun 17, 2022
Deed Document Number	202344630
Deed Book / Page	3310 / 2129
Prior Transfer Date	Jun 16, 2022
Prior Transfer Doc	0032563630
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	221 SAND CLIFFS DR, INLET BEACH, FL 32461-7113
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 67, PELHAM, AL 35124-0067

Mortgage

Document Number	0032090824
Date	Jul 28, 2021
Book Page	3209/824
Instrument	20210037793

Lender

Name	CENTRAL STATE BANK
Type	Bank
Address	CALERA, AL 35040

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 15, 2023
Property Address	221 SAND CLIFFS DR, INLET BEACH, FL 32461-7113
Document Number	0033102129
Book / Page	3310 / 2129
Map Reference	MB 5 PG 32
Instrument Date	Dec 15, 2023
Instrument	20230044630
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$32,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2821, OXFORD, MS 38655-6600

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	7347 CHARLOTTE PIKE, NASHVILLE, TN 37209-5011

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Jun 17, 2022
Property Address	221 SAND CLIFFS DR, INLET BEACH, FL 32461-7113
Document Number	0032563630
Book / Page	3256 / 3630
Map Reference	MB 5 PG 32
Instrument Date	Jun 16, 2022
Instrument	20220028488
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2821, OXFORD, MS 38655-6600

Mortgage

Document Number	0032563632
Date	Jun 17, 2022
Instrument	3256/3632

Lender

Name	FIRST COMMERCIAL BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2052

Interest

Rate Type	Adjustable Rate

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 17, 2022
Property Address	221 SAND CLIFFS DR, INLET BEACH, FL 32461-7113
Document Number	0032563628
Book / Page	3256 / 3628
Map Reference	MB 5 PG 32
Instrument Date	Jun 16, 2022
Instrument	20220028487
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2821, OXFORD, MS 38655-6600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2821, OXFORD, MS 38655-6600

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 24, 2022
Property Address	221 SAND CLIFFS DR, INLET BEACH, FL 32461-7113
Document Number	0032401413
Book / Page	3240 / 1413
Map Reference	MB 5 PG 32
Instrument Date	Feb 23, 2022
Instrument	20220008731
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$27,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	116 TRUMPINGTON WAY, PELHAM, AL 35124-2806

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2821, OXFORD, MS 38655-6600

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	221 SAND CLIFFS DR, INLET BEACH, FL 32461-7113
Transaction Type	Mortgage
Record Updated	Feb 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031043017
Date	May 06, 2019
Book Page	3104/3017
Instrument	20190014346

Lender

Name	PRIME MERIDIAN BANK
Type	Bank
Address	TALLAHASSEE, FL 32312

Agreement

Type	Line of Credit

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 05, 2020
Property Address	221 SAND CLIFFS DR, INLET BEACH, FL 32461-7113
Document Number	0031623476
Book / Page	003162 / 003476
Instrument Date	Sep 29, 2020
Instrument	391
Transaction Type	Transfer
Record Updated	Oct 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$5,950.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	116 TRUMPINGTON WAY PELHAM AL 351242806, PELHAM, AL 35124-2806

Tax Assessment & Valuation

Source: Walton County records · Assessment roll updated December 3, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$38,694.00 (+11.22%)	$4,386,322 (+38.97%) Land $2,150,000 Building $2,236,322	$4,386,322 (+38.97%) Land $2,150,000 Building $2,236,322
2024	$34,790.00 (+21.3%)
2023	$28,680.00 (+177.93%)	$3,156,379 (+118.74%) Land $1,300,000 Building $1,856,379	$3,156,379 (+118.74%) Land $1,300,000 Building $1,856,379
2022	$10,319.00	$1,443,000 Land $1,443,000	$1,443,000 Land $1,443,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 846 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,737 units insured incl. 891 condo units
Nearby Flood Claims	9 (2004–2020)
Claims Outside the SFHA	4 of 9
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims Hurricane Frances, Sep 2004 · 2 claims

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Mediacom Communications Cable	1,000 / 50

May also be available: AT&T, Verizon, Wildstar Networks.

Based on FCC filings for 96 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	REGIONAL UTILITIES WATER SYSTEM private · serves 62,225 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

221 Sand Cliffs Dr, Inlet Beach, FL 32461 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

June 2022: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

June 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

February 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

May 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Cell Coverage

Drinking Water

Violations Reported to EPA

Nearby Properties on Sand Cliffs Dr

Nearby Streets

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