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

Walton County property record for 270 Sand Cliffs Dr, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,674 sqft · built 1991
Lot Size	0.229 acres (9,975 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,554 (2025)
Deeds & Mortgages	May 2023 Reverse Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone VE (high risk)
APN	`27-3S-18-16054-00A-0170`

Property Details

APN / Parcel Number

Primary APN	`27-3S-18-16054-00A-0170`
Alternative APNs	`27-318-16054-00A-0170` `1057381`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,674 sqft Living Area
Gross Area	5,777 sqft
1st Floor Area	2,906 sqft
Flooring	Wood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2021
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,975 sqft (0.229 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	552 sqft
Driveway	Brick Driveway

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	157 sqft
Deck Area	Deck Area
Patio Area	195 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	270 SAND CLIFFS DR
City	INLET BEACH
State	FL
Zip	32461-7108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GULFFR
Legal Description	LOT 17 BLK A SAND CLIFFS S/D 3RD ADD PB 5-36 OR 903-216
Legal Range	018
Legal Township	03S
Legal Section	27
Legal Subdivision	SAND CLIFFS
Legal Block	A
Legal Lot Number	17
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1002
Census Tract	950611

Owner

Source: Walton County records, as of March 27, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	270 SAND CLIFFS DR, INLET BEACH, FL 32461-7108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2023	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Jul 12, 2022	Deed of Trust, Mortgage · Commercial Mortgage WALTON FUNDING LLC
Feb 23, 2021	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	270 SAND CLIFFS DR, INLET BEACH, FL 32461-7108
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8023 E 63RD PL 700, 700, TULSA, OK 74133-1240
Investor	Possibly a Property Investor

Mortgage

Document Number	0032902527
Date	May 24, 2023
Book Page	3290/2527
Instrument	20230018373

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	890 Months
Due	Jul 2, 2097

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	270 SAND CLIFFS DR, INLET BEACH, FL 32461-7108
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032593290
Date	Jul 12, 2022
Book Page	3259/3290
Instrument	20220032263

Lender

Name	WALTON FUNDING LLC
Type	Mortgage Company
Address	INLET BEACH, FL 32461

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	270 SAND CLIFFS DR, INLET BEACH, FL 32461-7108
Transaction Type	Mortgage
Record Updated	Mar 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	270 SAND CLIFFS DR, INLET BEACH, FL 32461-7108

Mortgage

Document Number	0031841430
Date	Feb 23, 2021
Book Page	3184/1430
Instrument	20210008406

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	917 Months
Due	Jul 2, 2097

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$9,554.00 (+1.88%) Homeowner's exemption Veteran's exemption	$1,101,062 (-69.02%)	$5,473,135 (+53.99%) Land $3,500,000 Building $1,973,135
2024	$9,378.00 (+3.67%)
2023	$9,046.00 (+129.19%) Homeowner's exemption	$3,554,176 (+52.37%) Land $2,100,000 Building $1,454,176	$3,554,176 (+52.37%) Land $2,100,000 Building $1,454,176
2022	$3,947.00 Homeowner's exemption	$2,332,564 Land $1,942,500 Building $390,064	$2,332,564 Land $1,942,500 Building $390,064

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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
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

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 98% of the US · lower than 97.6% 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 96 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	1,000 / 50

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

Cell Coverage

5G (outdoors only) and 4G LTE

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