278 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 278 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,381 sqft · built 2017
Lot Size	0.084 acres (3,665 sqft)
Owner	Trust Name on Record
Last Sale	$612,100 (Dec 2017)
Tax Bill	$11,278 (2024)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-3S-19-25012-000-3570`

Property Details

APN / Parcel Number

Primary APN	`11-3S-19-25012-000-3570`
Alternative APN	`1015998`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,381 sqft Living Area
Gross Area	3,024 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2017
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,665 sqft (0.084 acres)
Garage Type	Finished
Garage Area	273 sqft
Porch	Porch
Porch Area	370 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1015998
Street Address	278 FLATWOODS FOREST LOOP
City	SANTA ROSA BEACH
State	FL
Zip	32459-8852
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 357 NATUREWALK AT SEAGROVE THIRD REPLAT PB 19-10 OR 3060-3573
Legal Range	19W
Legal Township	03S
Legal Section	11
Legal Subdivision	NATUREWALK AT SEAGROVE THIRD
Legal Lot Number	357
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1028
Census Tract	950610

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	Trust Name on Record
Co-owner	Co-owner on Record
Mailing Address	8183 PETERS RD, FREDERICK, MD 21704-8105
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2017 · Amount on Record
Deed Sale	Dec 22, 2017 · Amount on Record
Deed Document Number	2017000041959
Deed Book / Page	3060 / 3573
Record Updated	Jun 8, 2026

December 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 22, 2017
Property Address	278 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8852
Document Number	0030603573
Book / Page	3060 / 3573
Map Reference	MB19 PG10
Instrument Date	Dec 13, 2017
Instrument	2017000041959
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	KTITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 S OLIVE AVE, 701, WEST PALM BEACH, FL 33401-6104

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	9835 NOTTING HILL DR, FREDERICK, MD 21704-7393

Mortgage

Document Number	2017000041960
Date	Dec 22, 2017
Instrument	2017000041960

Lender

Name	FIRST SAVINGS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jan 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	8.75%

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		$854,110 (-14.92%) Land $125,000 Building $729,110	$854,110 (-14.92%) Land $125,000 Building $729,110
2024	$11,278.00 (+4.41%)
2023	$10,802.00 (+5.67%)	$1,003,892 (+10.52%) Land $120,472 Building $883,420	$1,003,892 (+10.52%) Land $120,472 Building $883,420
2022	$10,222.00	$908,336 Land $133,724 Building $774,612	$908,336 Land $133,724 Building $774,612

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.2% 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 190 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
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

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