31 Windward Ln, Inlet Beach, FL 32461 Property Records

Walton County property record for 31 Windward Ln, Inlet Beach, FL 32461

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 3,120 sqft · built 2002
Lot Size0.094 acres (4,095 sqft)
Owner2 Individual Names on File
Last Sale$2,525,000 (Jan 2021)
Tax Bill$12,018 (2025)
Deeds & MortgagesOct 2025 Construction Loan
Aug 2018 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN35-3S-18-16061-003-0020

Property Details

APN / Parcel Number

Primary APN35-3S-18-16061-003-0020
Alternative APNs
  • 35-318-16061-003-0020
  • 1080230

Interior

Bedrooms4 Beds
Full Baths4 Baths
Stories2 Stories
Building Area3,120 sqft Living Area
Gross Area4,086 sqft
1st Floor Area1,802 sqft
FlooringTile
Interior WallsCustom/Decorative
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeCathedral/Clerestory
Roof MaterialOther
Lot Area4,095 sqft (0.094 acres)
Lot Dimensions62 ft deep x 66 ft wide
Garage TypeAttached
Garage Area484 sqft
PorchFinished/Open Porch
Porch Area482 sqft
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address31 WINDWARD LN
CityINLET BEACH
StateFL
Zip32461-5002
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRP
Legal DescriptionLOT 2 BLK 3 REPLAT OF REPLAT OF ROSEMARY BEACH PHASE 2 PB 12-32 OR 1639-212 OR 1856-201 OR 2425-895 OR 2645-3254 OR 2894-2556 OR 3177-64
Legal Range018
Legal Township03S
Legal Section35
Legal SubdivisionRE RE ROSEMARY BEACH PHASE 2
Legal Phase2
Legal Block3
Legal Lot Number2
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group1
Census Block1002
Census Tract950611

Owner

31 Windward Ln is owned by two individuals who bought it in January 2021.

Source: Walton County records, as of December 3, 2025

Owner of Record2 Individual Names on File
Mailing Address419 CANTERBURY RISE, FRANKLIN, TN 37067-6492
Owner TypeIndividual

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

DateDocument
Oct 15, 2025Deed of Trust, Mortgage · Construction Mortgage
FIRST NB OF MIDDLE TENNESSEE
Aug 6, 2018Deed of Trust, Mortgage
WALTON POINT FUNDING PARTNERS LLC
Jan 4, 2021Warranty Deed, Transfer · Conventional Mortgage
BANK OF AMERICA NA
May 29, 2020Deed of Trust, Mortgage · Line of Credit
PROGRESS BK&TR

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 4, 2021 · Amount on File
Deed SaleJan 4, 2021 · Amount on File
Prior SaleMar 24, 2005 · Amount on File
Deed Document Number202119
Deed Book / Page3177 / 64
Prior Transfer DateApr 13, 2012
Prior Transfer Doc0028942556
Record UpdatedJun 8, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWALTON FL
Property Address31 WINDWARD LN, INLET BEACH, FL 32461-5002
Transaction TypeMortgage
Record UpdatedOct 30, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0033741595
DateOct 15, 2025
Book Page3374/1595
Instrument20250037618
Lender
NameFIRST NB OF MIDDLE TENNESSEE
TypeBank
AddressMCMINNVILLE, TN 37110
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term84 Months
DueOct 15, 2032
Interest
Rate TypeAdjustable Rate

August 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWALTON FL
Property Address31 WINDWARD LN, INLET BEACH, FL 32461-5002
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0030812342
DateAug 6, 2018
Book Page3081/2342
Instrument2018000026259
Lender
NameWALTON POINT FUNDING PARTNERS LLC
TypeNon-Lending Institution
AddressWEST POINT, GA 31833
Agreement
AmountAmount on Record
Term17 Months
DueDec 31, 2019

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateJan 4, 2021
Property Address31 WINDWARD LN, INLET BEACH, FL 32461-5002
Document Number0031770064
Book / Page3177 / 64
Map ReferenceMB 12 PG 31&31A
Instrument DateDec 31, 2020
Instrument20210000019
Transaction TypeTransfer
Record UpdatedDec 30, 2021
Title CompanyRODGERS-KIEFER TITLE, RODGERS KIEFER TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$17,675.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 611477, ROSEMARY BEACH, FL 32461-1008

Transferred To (Grantee/Buyer)

NameVerified Name
Address419 CANTERBURY RISE, FRANKLIN, TN 37067-6492

Mortgage

Document Number0000317766
DateJan 4, 2021
Instrument3177/66
Lender
NameBANK OF AMERICA NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJan 1, 2051
Interest
Rate TypeAdjustable Rate
Rate2.62%
Type Change DateJan 1, 2031
Change FrequencyAnnually
Min Rate At Change2.12%
Max Rate At Change7.62%
Index1-Year LIBOR
Max Rate7.62%

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWALTON FL
Property Address31 WINDWARD LN, INLET BEACH, FL 32461-5002
Document Number0031453346
Instrument DateMay 29, 2020
Transaction TypeMortgage
Record UpdatedJul 31, 2020
Title CompanyATTORNEY ONLY

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
AddressPO BOX 611477 ROSEMARY BEACH FL 324611008, ROSEMARY BEACH, FL 32461-1008

Mortgage

Document Number0031453346
DateJun 8, 2020
Book Page003145/003346
Instrument19488
Lender
NamePROGRESS BK&TR
TypeBank
AddressDESTIN, FL 32541
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 31 Windward Ln was $12,018, down 55.8% from the year before.

Source: Walton County assessment roll, as of December 3, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$12,018.00 (-55.76%)$1,330,142 Land $1,050,000 Building $280,142$1,330,142 Land $1,050,000 Building $280,142
2024$27,167.00 (+8.38%)
2023$25,067.00 (+9.05%)$3,178,310 (+12.57%) Land $905,000 Building $2,273,310$3,178,310 (+12.57%) Land $905,000 Building $2,273,310
2022$22,987.00$2,823,399 Land $805,619 Building $2,017,780$2,823,399 Land $805,619 Building $2,017,780

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

Flood

FEMA maps place 31 Windward Ln in Zone X, an area of minimal flood risk, within 500 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone VE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 846 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1,737 units insured
incl. 891 condo units
Nearby Flood Claims9 (2004–2020)
Claims Outside the SFHA4 of 9
Most Recent ClaimSep 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

Wildfire risk around 31 Windward Ln is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemREGIONAL UTILITIES WATER SYSTEM
private · serves 62,225 people · EPA ID FL1660596
Water SourceGroundwater
Last State InspectionJul 2024
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 429 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
LiveOak Fiber
Fiber
5,000 / 5,000
Mediacom Xtream
Cable · Fiber
2,000 / 1,000
T-Mobile
Fixed Wireless
100 / 20
AT&T
Fixed Wireless · Fiber in parts of the area
100 / 20

May also be available: REV, Verizon, Wildstar Networks, WOW Internet, Cable & Phone, Xfinity.

Nearby Properties on Windward Ln

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