29 Sinclair Ln, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 29 Sinclair Ln, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	5 bd · 6.5 ba · 4,638 sqft · built 2017
Lot Size	0.102 acres (4,436 sqft)
Owner	2 Trust Names on File
Last Sale	$4,650,000 (Aug 2026)
Tax Bill	$28,122 (2025)
Deeds & Mortgages	Aug 2026 Sale Jul 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`02-3S-20-34350-008-0040`

Property Details

APN / Parcel Number

Primary APN	`02-3S-20-34350-008-0040`
Alternative APNs	`02-320-34350-008-0040` `1004028`

Interior

Bedrooms	5 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	4,638 sqft Living Area
Gross Area	6,287 sqft
1st Floor Area	665 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	4,436 sqft (0.102 acres)
Garage Type	Attached
Garage Area	529 sqft
Porch	Slab
Porch Area	925 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	29 SINCLAIR LN
City	SANTA ROSA BEACH
State	FL
Zip	32459-7544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LKDUNE
Legal Description	LOT 4 BLK 8 DRAPER LAKE S/D PB 16 PG 7 OR 2626-1913 OR 2974-2960 OR 3058-3526 OR 3189-4986
Legal Range	020
Legal Township	03S
Legal Section	02
Legal Subdivision	DRAPER LAKE
Legal Block	8
Legal Lot Number	4
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1023
Census Tract	950606

Owner

29 Sinclair Ln is held in a trust since August 2026.

Source: Walton County records, as of September 17, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1300 LOG CABIN LN, SAINT LOUIS, MO 63124-1530
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Aug 25, 2026	Warranty Deed, Transfer TITLE SERVICES, AQUARK TITLE SERVICES
Jul 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK
Mar 29, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK
Jul 31, 2019	Deed of Trust, Mortgage · ARM FIFTH THIRD BANK
May 22, 2018	Deed of Trust, Mortgage ENDEAVOR CAP
Nov 30, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2026 · Amount on File
Deed Sale	Aug 25, 2026 · Amount on File
Prior Sale	Mar 29, 2021 · Amount on File
Deed Document Number	202635272
Deed Book / Page	3410 / 2933
Prior Transfer Date	Nov 28, 2017
Prior Transfer Doc	0030583526
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 25, 2026
Property Address	29 SINCLAIR LN, SANTA ROSA BEACH, FL 32459-7544
Document Number	0000035272
Book / Page	3410 / 2933
Instrument Date	Aug 25, 2026
Instrument	202635272
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	TITLE SERVICES, AQUARK TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$3,287,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1300 LOG CABIN LN, SAINT LOUIS, MO 63124-1530

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	29 SINCLAIR LN, SANTA ROSA BEACH, FL 32459-7544
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	SETCO SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 HOBART AVE, SUMMIT, NJ 07901-3619

Mortgage

Document Number	0032060425
Date	Jul 7, 2021
Book Page	3206/425
Instrument	20210034064

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	7.37%
Index	1-Year LIBOR
Max Rate	7.37%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 29, 2021
Property Address	29 SINCLAIR LN, SANTA ROSA BEACH, FL 32459-7544
Document Number	0031894986
Book / Page	3189 / 4986
Map Reference	MB 16 PG 7-7B
Instrument Date	Mar 22, 2021
Instrument	20210014858
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25,179.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 E JENNINGS ST, 320, NEWBURGH, IN 47630-1437

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 HOBART AVE, SUMMIT, NJ 07901-3619

Mortgage

Document Number	0031900001
Date	Mar 29, 2021
Book Page	3190/1
Instrument	20210014859

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	7.37%
Index	1-Year LIBOR
Max Rate	7.35%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	29 SINCLAIR LN, SANTA ROSA BEACH, FL 32459-7544
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031131399
Date	Jul 31, 2019
Book Page	3113/1399
Instrument	20190025885

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	29 SINCLAIR LN, SANTA ROSA BEACH, FL 32459-7544
Document Number	0030744564
Instrument Date	May 22, 2018
Transaction Type	Mortgage
Record Updated	Jun 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 E JENNINGS ST NEWBURGH IN 476301437, NEWBURGH, IN 47630-1437

Mortgage

Document Number	0030744564
Date	May 29, 2018
Book Page	003074/004564
Instrument	17614

Lender

Name	ENDEAVOR CAP
Type	Funding / Finance Company
Address	14897 CLAYTON RD, CHESTERFIELD, MO 63017-7887

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 28, 2048

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Nov 30, 2017
Property Address	29 SINCLAIR LN, SANTA ROSA BEACH, FL 32459-7544
Document Number	0030583526
Book / Page	003058 / 003526
Instrument Date	Nov 28, 2017
Instrument	39300
Transaction Type	Transfer
Record Updated	Jan 3, 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
Address	320 E JENNINGS ST NEWBURGH IN 476301437, NEWBURGH, IN 47630-1437

Tax Assessment & Valuation

The 2025 property tax bill for 29 Sinclair Ln was $28,122, up 1.8% 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	$28,122.00 (+1.82%)	$3,150,919	$3,481,785 Land $682,500 Building $2,799,285
2024	$27,620.00 (+3.58%)
2023	$26,665.00 (+1.02%) Homeowner's exemption	$3,271,436 (+13.34%) Land $624,000 Building $2,647,436	$3,271,436 (+13.34%) Land $624,000 Building $2,647,436
2022	$26,395.00 Homeowner's exemption	$2,886,340 Land $562,770 Building $2,323,570	$2,886,340 Land $562,770 Building $2,323,570

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

Flood

FEMA maps place 29 Sinclair Ln in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 413 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	725 units insured incl. 312 condo units
Nearby Flood Claims	12 (2005–2025)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 3 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

Wildfire risk around 29 Sinclair Ln is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 198 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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