277 E Water St, Inlet Beach, FL 32461 Property Records

Walton County property record for 277 E Water St, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,606 sqft · built 1997
Lot Size	0.094 acres (4,095 sqft)
Owner	Company Name on Record
Last Sale	$3,150,000 (Sep 2022)
Tax Bill	$20,943 (2024)
Deeds & Mortgages	Feb 2024 Line of Credit Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-3S-18-16060-012-0020`

Property Details

APN / Parcel Number

Primary APN	`35-3S-18-16060-012-0020`
Alternative APN	`1080168`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	2,606 sqft Living Area
Gross Area	3,515 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,095 sqft (0.094 acres)
Lot Dimensions	8.5 ft deep x 4.8 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Porch
Porch Area	788 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1080168
Street Address	277 E WATER ST
City	INLET BEACH
State	FL
Zip	32461-6908
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK 12 ROSEMARY BEACH PH 1 PB 12-5 OR 1467-156 OR 3018-27 OR 3267-1615
Legal Range	18W
Legal Township	03S
Legal Section	35
Legal Subdivision	ROSEMARY BEACH PH 1
Legal Phase	1
Legal Block	12
Legal Lot Number	2
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 December 17, 2025

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

Owner of Record	Company Name on Record
Mailing Address	1999 RICHMOND RD STE 300, 300, LEXINGTON, KY 40502-1200
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2024	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Sep 21, 2022	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2022 · Amount on Record
Deed Sale	Sep 21, 2022 · Amount on Record
Prior Sale	Aug 15, 2016 · Amount on Record
Deed Document Number	20220042193
Deed Book / Page	3267 / 1615
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	277 E WATER ST, INLET BEACH, FL 32461-6908
Transaction Type	Mortgage
Record Updated	Feb 28, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033144891
Date	Feb 8, 2024
Book Page	3314/4891
Instrument	20240004378

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	156 Months
Due	Feb 25, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 21, 2022
Property Address	277 E WATER ST, INLET BEACH, FL 32461-6908
Document Number	0032671615
Book / Page	3267 / 1615
Map Reference	MB 12 PG 5&5A
Instrument Date	Sep 17, 2022
Instrument	20220042193
Transaction Type	Transfer
Record Updated	Oct 10, 2022
Title Company	LIMESTONE TITLE, LIMESTONE T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 N HUBBARDS LN, LOUISVILLE, KY 40207-8207

Mortgage

Document Number	0032671617
Date	Sep 21, 2022
Instrument	3267/1617

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.87%
Index	Other
Margin	3
Max Rate	8.87%

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		$2,836,906 (+29.65%) Land $1,050,000 Building $1,786,906	$2,836,906 (+29.65%) Land $1,050,000 Building $1,786,906
2024	$20,943.00 (+5.34%)
2023	$19,882.00 (+25.53%)	$2,188,184 (+14.11%) Land $905,000 Building $1,283,184	$2,188,184 (+14.11%) Land $905,000 Building $1,283,184
2022	$15,839.00	$1,917,643 Land $778,310 Building $1,139,333	$1,917,643 Land $778,310 Building $1,139,333

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
Flood Insurance Requirement	Not required lenders may require it
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 94% of the US · lower than 95% of Florida
Wildfire Likelihood	Under 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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Mediacom Xtream Fiber · Cable	2,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: WOW Internet, Cable & Phone.

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