224 Pin Oak Loop, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 224 Pin Oak Loop, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,590 sqft · built 2016
Lot Size	0.157 acres (6,839 sqft)
Owner	Individual Name on File
Last Sale	$575,000 (Apr 2025)
Tax Bill	$3,219 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2020 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`13-2S-21-42020-000-0395`

Property Details

APN / Parcel Number

Primary APN	`13-2S-21-42020-000-0395`
Alternative APN	`1018910`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,590 sqft Living Area
Gross Area	3,368 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,839 sqft (0.157 acres)
Lot Dimensions	12.5 ft deep x 5.5 ft wide
Garage Type	Finished
Garage Area	462 sqft
Porch	Porch
Porch Area	316 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1018910
Street Address	224 PIN OAK LOOP
City	SANTA ROSA BEACH
State	FL
Zip	32459-8092
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 395 DRIFTWOOD ESTS PH 2C PB 17-47 OR 2842-3384 OR 2855-101 OR 2880-4219 OR 2999-4014 OR 3045-4380 OR 3103-1148 OR
Legal Range	21W
Legal Township	02S
Legal Section	13
Legal Subdivision	DRIFTWOOD ESTATES PH IIC
Legal Phase	2C
Legal Lot Number	395
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1012
Census Tract	950607

Owner

224 Pin Oak Loop is owned and occupied by an individual who bought it in April 2025.

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

Owner of Record	Individual Name on File
Mailing Address	697 S END RD, PLANTSVILLE, CT 06479-1840
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Sep 23, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 23, 2019	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Jul 5, 2017	Warranty Deed, Transfer · Line of Credit CENTENNIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2025 · Amount on File
Deed Sale	Apr 17, 2025 · Amount on File
Prior Sale	Sep 23, 2020
Deed Document Number	0033554249
Deed Book / Page	3355 / 4249
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	224 PIN OAK LOOP, SANTA ROSA BEACH, FL 32459-8092
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 PIN OAK LOOP, SANTA ROSA BEACH, FL 32459-8092

Mortgage

Document Number	0032253524
Date	Nov 17, 2021
Book Page	3225/3524
Instrument	20210057129

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2031

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Sep 23, 2020
Property Address	224 PIN OAK LOOP, SANTA ROSA BEACH, FL 32459-8092
Document Number	0031604142
Book / Page	003160 / 004142
Instrument Date	Jun 10, 2020
Instrument	37142
Transaction Type	Transfer
Record Updated	Oct 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	224 PIN OAK LOOP SANTA ROSA BEACH FL 324598092, SANTA ROSA BEACH, FL 32459-8092

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 23, 2019
Property Address	224 PIN OAK LOOP, SANTA ROSA BEACH, FL 32459-8092
Document Number	0031031148
Book / Page	003103 / 001148
Instrument Date	Apr 22, 2019
Instrument	12668
Transaction Type	Transfer
Record Updated	May 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	224 PIN OAK LOOP SANTA ROSA BEACH FL 324598092, SANTA ROSA BEACH, FL 32459-8092

Mortgage

Document Number	31031150
Date	Apr 23, 2019
Book Page	003103/001150
Instrument	12669

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 22, 2034

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 5, 2017
Property Address	224 PIN OAK LOOP, SANTA ROSA BEACH, FL 32459-8092
Document Number	0030454380
Book / Page	3045 / 4380
Map Reference	MB17 PG47&47G
Instrument Date	Jun 30, 2017
Instrument	20170021956
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25366 PROFIT DR, 25366, DAPHNE, AL 36526-5126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 PIN OAK LOOP, SANTA ROSA BEACH, FL 32459-8092

Mortgage

Document Number	0030454381
Date	Jul 5, 2017
Book Page	3045/4381
Instrument	20170021957

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	LITTLE ROCK, AR 72223

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jul 5, 2022

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		$530,338 (+0.05%) Land $45,000 Building $485,338	$530,338 (+0.05%) Land $45,000 Building $485,338
2024	$3,219.00 (+3.87%) Homeowner's exemption	$530,092 (-3.77%) Land $44,754 Building $485,338	$530,092 (-3.77%) Land $44,754 Building $485,338
2023	$3,099.00 (+1.31%) Homeowner's exemption	$550,833 (+11.64%) Land $44,754 Building $506,079	$550,833 (+11.64%) Land $44,754 Building $506,079
2022	$3,059.00 Homeowner's exemption	$493,402 Land $49,676 Building $443,726	$493,402 Land $49,676 Building $443,726

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 224 Pin Oak Loop in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 417 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	417 in force
Nearby Flood Claims	6 (2004–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 4 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

Wildfire risk around 224 Pin Oak Loop is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	3 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 383 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Wildstar Networks.

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