Walton County property record for 309 Sand Cliffs Dr, Inlet Beach, FL 32461
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 2,731 sqft · built 1995 |
| Lot Size | 0.173 acres (7,536 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $59,500 (Mar 1993) |
| Tax Bill | $3,307 (2024) |
| Deeds & Mortgages | Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-3S-18-16054-00B-0190 |
| Primary APN | 27-3S-18-16054-00B-0190 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 3 Stories |
| Building Area | 2,731 sqft Living Area |
| Gross Area | 4,488 sqft |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,536 sqft (0.173 acres) |
| Lot Dimensions | 14.5 ft deep x 5.2 ft wide |
| Garage Type | Finished |
| Garage Area | 660 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 941 sqft |
| Patio Area | 156 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1057397 |
|---|---|
| Street Address | 309 SAND CLIFFS DR |
| City | INLET BEACH |
| State | FL |
| Zip | 32461-7185 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 19 BLK B SAND CLIFFS S/D 3RD ADD PB 5-36 OR 959-313 |
| Legal Range | 18W |
| Legal Township | 03S |
| Legal Section | 27 |
| Legal Subdivision | SAND CLIFFS S/D |
| Legal Block | B |
| Legal Lot Number | 19 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 950611 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 309 SAND CLIFFS DR, PANAMA CITY BEACH, FL 32461-7185 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 1993 · Amount on Record |
| Deed Sale | Mar 12, 1993 · Amount on Record |
| Deed Document Number | 0000959313 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 309 SAND CLIFFS DR, INLET BEACH, FL 32461-7185 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030590664 |
|---|---|
| Date | Dec 6, 2017 |
| Book Page | 3059/0664 |
| Instrument | 2017000039852 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | AL352 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 13, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Walton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,144,103 (+52.93%) Land $2,150,000 Building $994,103 | $3,144,103 (+52.93%) Land $2,150,000 Building $994,103 | |
| 2024 | $3,307.00 (+3.9%) | ||
| 2023 | $3,183.00 (+1.27%) Homeowner's exemption | $2,055,899 (+15.82%) Land $1,300,000 Building $755,899 | $2,055,899 (+15.82%) Land $1,300,000 Building $755,899 |
| 2022 | $3,143.00 Homeowner's exemption | $1,775,124 Land $1,443,000 Building $332,124 | $1,775,124 Land $1,443,000 Building $332,124 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 VE, within 500 ft |
| 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 |
|
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.
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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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