249 Moss Ave, Vernon, FL 32462 Property Records

Walton County property record for 249 Moss Ave, Vernon, FL 32462

Property Summary

Property Type	Other
Details	2 bd · 1 ba · 780 sqft · built 1974
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Jul 2021)
Tax Bill	$162 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Feb 2020 Transfer
Flood Zone	Zone AE (high risk)
APN	`26-2S-18-15020-00D-0030`

Property Details

APN / Parcel Number

Primary APN	`26-2S-18-15020-00D-0030`
Alternative APNs	`26-218-15020-00D-0030` `1051605`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	780 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Other
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Porch	Unfinished Open Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	249 MOSS AVE
City	VERNON
State	FL
Zip	32462-6138
Property Category	Other
Property Type	Other > Miscellaneous
Local Zoning Code	LSA
Legal Description	COM @ THE SE/C OF THE W2 OF THE SW4 OF SEC 26; THENCE W ALONG THE S LINE OF SEC 26, 455.72FT, N 323.56FT, N 40 DEG W 123.56FT TO THE POB OF A CURVE CONCAVE TO THE NE & HAVING A RADIUS OF 1411.28FT, NLY ALONG SAID CURVE THROUGH A CENTRAL ANGLE OF 34 D
Legal Subdivision	STEEL FIELD
Legal Block	D00
Legal Lot Number	30
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	3
Census Block	3080
Census Tract	950501

Owner

249 Moss Ave is owned by two individuals who bought it in July 2021.

Source: Walton County records, as of December 3, 2025

Owner of Record	2 Individual Names on File
Mailing Address	249 MOSS AVE, VERNON, FL 32462-6138
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
Jul 13, 2021	Deed, Transfer · Conventional Mortgage PANHANDLE CU
Feb 25, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2021 · Amount on File
Deed Sale	Jul 13, 2021 · Amount on File
Prior Sale	Dec 22, 2006 · Amount on File
Deed Document Number	202135094
Deed Book / Page	3206 / 4686
Prior Transfer Date	Feb 5, 2020
Prior Transfer Doc	0031341182
Record Updated	Jun 8, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WALTON FL
Recording Date	Jul 13, 2021
Property Address	249 MOSS AVE, VERNON, FL 32462-6138
Document Number	0032064686
Book / Page	3206 / 4686
Instrument Date	Jul 9, 2021
Instrument	20210035094
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TTL PANAMA CITY BE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 20264, PANAMA CITY BEACH, FL 32417-2264

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 MOSS AVE, VERNON, FL 32462-6138

Mortgage

Document Number	32064688
Date	Jul 13, 2021
Instrument	3206/4688

Lender

Name	PANHANDLE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 9, 2031

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Jul 1, 2024
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	11.7%

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Feb 25, 2020
Property Address	249 MOSS AVE, VERNON, FL 32462-6138
Document Number	0031341182
Book / Page	003134 / 001182
Instrument Date	Feb 5, 2020
Instrument	6731
Transaction Type	Transfer
Record Updated	Mar 20, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 20264 PANAMA CITY BEACH FL 324172264, PANAMA CITY BEACH, FL 32417-2264

Tax Assessment & Valuation

The 2025 property tax bill for 249 Moss Ave was $162, up 153.1% 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	$162.00 (+153.13%)	$30,400 Land $30,000 Building $400	$30,400 Land $30,000 Building $400
2024	$64.00
2023	$64.00 (-11.11%)	$7,929 (-9.46%) Land $7,529 Building $400	$7,929 (-9.46%) Land $7,529 Building $400
2022	$72.00	$8,757 Land $8,357 Building $400	$8,757 Land $8,357 Building $400

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 249 Moss Ave 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	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 26 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Sep 2020 · Hurricane Sally

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 249 Moss Ave is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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