258 Cottage Way, #2, Inlet Beach, FL 32461 Property Records

Walton County property record for 258 Cottage Way, #2, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,653 sqft · built 2005
Lot Size	0.028 acres (1,237 sqft)
Owner	Company Name on File
Last Sale	$1,600,000 (Mar 2023)
Tax Bill	$12,594 (2024)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-3S-18-16700-000-0020`

Property Details

APN / Parcel Number

Primary APN	`27-3S-18-16700-000-0020`
Alternative APN	`1057827`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	2,653 sqft Living Area
Gross Area	3,065 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2005
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	1,237 sqft (0.028 acres)
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	412 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1057827
Street Address	258 COTTAGE WAY # 2, 2
City	INLET BEACH
State	FL
Zip	32461-6938
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 2 THE COTTAGES AT CAMP CREEK CONDO AND A FRACTIONAL INT IN ALL COMMON AREAS AS DESC IN OR 2429-1781. PB 15-20 OR
Legal Range	18W
Legal Township	03S
Legal Section	27
Legal Subdivision	COTTAGES AT CAMP CREEK
Legal Lot Number	20
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1042
Census Tract	950610

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	4866 WILDCAT RD, AUBREY, TX 76227-8420
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Mar 6, 2023	Warranty Deed, Transfer · Conventional Mortgage POINTBANK
Jun 16, 2021	Warranty Deed, Transfer SHORELINE TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2023 · Amount on File
Deed Sale	Mar 6, 2023 · Amount on File
Prior Sale	Jun 16, 2021 · Amount on File
Deed Document Number	20230007581
Deed Book / Page	3282 / 2137
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	258 COTTAGE WAY # 2, 2, INLET BEACH, FL 32461-6938
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3130 SEVEN OAKS DR, CUMMING, GA 30041-1982

Mortgage

Document Number	0031894815
Date	Mar 29, 2021
Book Page	3189/4815
Instrument	20210014825

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 6, 2023
Property Address	258 COTTAGE WAY # 2, 2, INLET BEACH, FL 32461-6938
Document Number	0032822137
Book / Page	3282 / 2137
Map Reference	MB 2429 PG 1781
Instrument Date	Mar 3, 2023
Instrument	20230007581
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	RODGERS-KIEFER TITLE, RODGERS KIEFER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3015 E CANYON CREEK DR, GILBERT, AZ 85295-1980

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4866 WILDCAT RD, AUBREY, TX 76227-8420

Mortgage

Document Number	0032822139
Date	Mar 6, 2023
Instrument	3282/2139

Lender

Name	POINTBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 3, 2038

Interest

Rate Type	Adjustable Rate
Rate	6.99%
Type Change Date	Mar 1, 2028
Change Frequency	Annually
Min Rate At Change	6.5%
Max Rate At Change	18%
Index	Prime Rate
Max Rate	18%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 16, 2021
Property Address	258 COTTAGE WAY # 2, 2, INLET BEACH, FL 32461-6938
Document Number	0032024722
Book / Page	3202 / 4722
Map Reference	MB 2429 PG 1781
Instrument Date	Jun 15, 2021
Instrument	20210030397
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$10,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3130 SEVEN OAKS DR, CUMMING, GA 30041-1982

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3015 E CANYON CREEK DR, GILBERT, AZ 85295-1980

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		$1,364,306 (-2.08%) Land $143,750 Building $1,220,556	$1,364,306 (-2.08%) Land $143,750 Building $1,220,556
2024	$12,594.00 (+0.58%)
2023	$12,521.00 (+8.92%)	$1,393,350 (+12.32%) Land $143,750 Building $1,249,600	$1,393,350 (+12.32%) Land $143,750 Building $1,249,600
2022	$11,496.00	$1,240,489 Land $131,937 Building $1,108,552	$1,240,489 Land $131,937 Building $1,108,552

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

Flood

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 645 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,249 units insured incl. 604 condo units
Nearby Flood Claims	16 (2004–2023)
Claims Outside the SFHA	10 of 16
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 2 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.01% 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	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 214 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: Verizon, Wildstar Networks.

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