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

Walton County property record for 282 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,238 sqft · built 2017
Lot Size	0.095 acres (4,140 sqft)
Owner	2 Company Names on Record
Last Sale	$1,400,000 (May 2023)
Tax Bill	$11,047 (2025)
Deeds & Mortgages	Aug 2023 Transfer May 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11-3S-19-25012-000-3560`

Property Details

APN / Parcel Number

Primary APN	`11-3S-19-25012-000-3560`
Alternative APNs	`11-319-25012-000-3560` `1015997`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,238 sqft Living Area
Gross Area	3,234 sqft
1st Floor Area	1,110 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	4,140 sqft (0.095 acres)
Garage Type	Attached
Garage Area	468 sqft
Driveway	Brick Driveway
Porch	Finished Screened Porch
Porch Area	528 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	282 FLATWOODS FOREST LOOP
City	SANTA ROSA BEACH
State	FL
Zip	32459-8852
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TND
Legal Description	LOT 356 NATUREWALK AT SEAGROVE THIRD REPLAT PB 19-10 OR 3034-1517 OR 3074-3703 OR 3290-2956 OR 3298-1794
Legal Range	019
Legal Township	03S
Legal Section	11
Legal Subdivision	SEAGROVE THIRD REPLAT
Legal Block	35
Legal Lot Number	356
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 3, 2025

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

Owner of Record	2 Company Names on Record
Mailing Address	3362 ELMWOOD BEACH RD, MIDDLEVILLE, MI 49333-8771
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 25, 2023	Warranty Deed, Transfer · Conventional Mortgage OLD NATIONAL BANK
Mar 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
May 25, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 28, 2017	Special Warranty Deed, Transfer · Conventional Mortgage CTC MORTGAGE COMPANY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2023 · Amount on Record
Deed Sale	May 25, 2023 · Amount on Record
Prior Sale	Feb 28, 2017 · Amount on Record
Deed Document Number	202318501
Deed Book / Page	3290 / 2956
Last Transfer Date	Jul 18, 2023
Transfer Doc	0032981794
Record Updated	Jun 8, 2026

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Aug 8, 2023
Property Address	282 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8852
Document Number	0032981794
Book / Page	3298 / 1794
Map Reference	MB 19 PG 10
Instrument Date	Jul 18, 2023
Instrument	20230028350
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3362 ELMWOOD BEACH RD, MIDDLEVILLE, MI 49333-8771

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3362 ELMWOOD BEACH RD, MIDDLEVILLE, MI 49333-8771

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 25, 2023
Property Address	282 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8852
Document Number	0032902956
Book / Page	3290 / 2956
Map Reference	MB 19 PG 10
Instrument Date	May 24, 2023
Instrument	20230018501
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	282 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8852

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3362 ELMWOOD BEACH RD, MIDDLEVILLE, MI 49333-8771

Mortgage

Document Number	0032902958
Date	May 25, 2023
Instrument	3290/2958

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Jun 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.87%
Max Rate At Change	10.6%
Index	Other
Max Rate	10.6%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	282 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8852
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031360607
Date	Mar 10, 2020
Book Page	3136/607
Instrument	20200008886

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2035

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	May 25, 2018
Property Address	282 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8852
Document Number	0030743703
Book / Page	003074 / 003703
Instrument Date	May 9, 2018
Instrument	17345
Transaction Type	Transfer
Record Updated	Jun 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	282 FLATWOODS FOREST LOOP SANTA ROSA BEACH FL 324598852, SANTA ROSA BEACH, FL 32459-8852

February 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 28, 2017
Property Address	282 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8852
Document Number	0030341517
Book / Page	3034 / 1517
Map Reference	MB19 PG10
Instrument Date	Feb 21, 2017
Instrument	20170006012
Transaction Type	Transfer
Record Updated	Dec 30, 2021

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 # 104, 701, WEST PALM BEACH, FL 33401-6104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	282 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8852

Mortgage

Document Number	0030341519
Date	Feb 28, 2017
Book Page	3034/1519
Instrument	20170006013

Lender

Name	CTC MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

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	$11,047.00 (-9.95%)	$875,407 (-15%) Land $125,000 Building $750,407	$875,407 (-15%) Land $125,000 Building $750,407
2024	$12,267.00 (+51.84%)
2023	$8,079.00 (+0.74%) Homeowner's exemption	$1,029,916 (+10.62%) Land $120,472 Building $909,444	$1,029,916 (+10.62%) Land $120,472 Building $909,444
2022	$8,020.00 Homeowner's exemption	$931,017 Land $133,724 Building $797,293	$931,017 Land $133,724 Building $797,293

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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