261 Ridge Rd, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 261 Ridge Rd, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,524 sqft · built 1989
Lot Size	0.967 acres (42,112 sqft)
Owner	Individual Name on File
Last Sale	$659,000 (Jan 2019)
Tax Bill	$11,418 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-3S-20-34222-000-0030`

Property Details

APN / Parcel Number

Primary APN	`03-3S-20-34222-000-0030`
Alternative APNs	`03-320-34222-000-0030` `1005895`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,524 sqft Living Area
Gross Area	3,386 sqft
1st Floor Area	2,048 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1995
Exterior Material	Concrete Block/Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	42,112 sqft (0.967 acres)
Garage Type	Detached
Garage Area	506 sqft

Exterior Amenities

Porch	Enclosed/Finished Porch
Porch Area	356 sqft
Deck Area	33 sqft
Patio Area	33 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	261 RIDGE RD
City	SANTA ROSA BEACH
State	FL
Zip	32459-4239
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOTS 3 & 4 SANTA ROSA RIDGE FOX LAKE ADDITION PB 7-17 OR 890-243 OR 1341-109 OR 1669-303 OR 2143-397 OR 2619-2460 OR 2628-3150 OR 2929-1590 OR 3095-3441 OR 3348-4782
Legal Range	020
Legal Township	03S
Legal Section	03
Legal Subdivision	SANTA ROSA RIDGE FOX LAKE ADDITION
Legal Lot Number	3,4
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1002
Census Tract	950604

Owner

261 Ridge Rd is owned and occupied by an individual who acquired it in January 2025.

Source: Walton County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	261 RIDGE RD, SANTA ROSA BEACH, FL 32459-4239
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Mar 17, 2026	Deed of Trust, Mortgage · Commercial Mortgage CHAMPIONS FUNDING LLC
Jan 24, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST FLORIDA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2019 · Amount on File
Deed Sale	Jan 24, 2019 · Amount on File
Prior Sale	Feb 8, 2018 · Amount on File
Deed Document Number	20192350
Deed Book / Page	3095 / 3441
Last Transfer Date	Jan 27, 2025
Transfer Doc	0033484782
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	261 RIDGE RD, SANTA ROSA BEACH, FL 32459-4239
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1405 BAYSHORE DR, NICEVILLE, FL 32578-3401

Mortgage

Document Number	0033904295
Date	Mar 17, 2026
Book Page	3390/4295
Instrument	20260010097

Lender

Name	CHAMPIONS FUNDING LLC
Type	Mortgage Company
Address	GILBERT, AZ 85297

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 24, 2019
Property Address	261 RIDGE RD, SANTA ROSA BEACH, FL 32459-4239
Document Number	0030953441
Book / Page	3095 / 3441
Map Reference	MB 7 PG 17
Instrument Date	Jan 23, 2019
Instrument	20190002350
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	NEIGHBORHOOD TITLE GROUP INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,613.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4428 SADDLE RIDGE RD, SOUTHLAKE, TX 76092-2044

Mortgage

Document Number	20190002352
Date	Jan 24, 2019
Instrument	20190002352

Lender

Name	FIRST FLORIDA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 261 Ridge Rd was $11,418, up 21.8% 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	$11,418.00 (+21.82%)	$1,616,096 Land $935,812 Building $680,284	$1,616,096 Land $935,812 Building $680,284
2024	$9,373.00 (+4.39%)
2023	$8,979.00 (+2.72%)	$1,219,744 (+1.7%) Land $521,180 Building $698,564	$1,219,744 (+1.7%) Land $521,180 Building $698,564
2022	$8,741.00	$1,199,331 Land $578,510 Building $620,821	$1,199,331 Land $578,510 Building $620,821

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

Flood

FEMA maps place 261 Ridge Rd 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 294 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	579 units insured incl. 285 condo units
Nearby Flood Claims	11 (1995–2025)
Claims Outside the SFHA	3 of 11
Most Recent Claim	Jan 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 5 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 261 Ridge Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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.

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 97 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

May also be available: AT&T, T-Mobile.

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