313 E Water St, Inlet Beach, FL 32461 Property Records

Walton County property record for 313 E Water St, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,850 sqft · built 2000
Lot Size	0.094 acres (4,095 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,950,000 (Jul 2023)
Tax Bill	$29,359 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jun 2021 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35-3S-18-16060-011-0020`

Property Details

APN / Parcel Number

Primary APN	`35-3S-18-16060-011-0020`
Alternative APNs	`35-318-16060-011-0020` `1080163`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	2,850 sqft Living Area
Gross Area	3,798 sqft
1st Floor Area	1,270 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	4,095 sqft (0.094 acres)
Lot Dimensions	85 ft deep x 48 ft wide
Garage Type	Carport
Carport	Carport
Porch	Finished/Open Porch
Porch Area	948 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	313 E WATER ST
City	INLET BEACH
State	FL
Zip	32461
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 2 BLK 11 ROSEMARY BEACH PH 1 PB 12-5 OR 1499-177 OR 2745-3944 OR 2805-4622 OR 2812-2111 OR 2812-2108 OR 2904-1843 OR 3152-2228 OR 3204-4402 OR 3297-1850
Legal Range	018
Legal Township	03S
Legal Section	35
Legal Subdivision	ROSEMARY BEACH PH 1
Legal Phase	1
Legal Block	11
Legal Lot Number	2
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1014
Census Tract	950611

Owner

Source: Walton County records, as of January 16, 2026

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	503 LIVEOAK TRL, DOTHAN, AL 36305-5833
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2023	Warranty Deed, Transfer · Conventional Mortgage SYNOVUS BANK
Jun 30, 2021	Warranty Deed, Transfer · Line of Credit MABREY BANK
Jul 28, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2023 · Amount on Record
Deed Sale	Jul 31, 2023 · Amount on Record
Prior Sale	Jun 30, 2021 · Amount on Record
Deed Document Number	202327159
Deed Book / Page	3297 / 1850
Prior Transfer Date	Dec 27, 2006
Prior Transfer Doc	0027453944
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 31, 2023
Property Address	313 E WATER ST, INLET BEACH, FL 32461
Document Number	0032971850
Book / Page	3297 / 1850
Map Reference	MB 12 PG 5-5A
Instrument Date	Jul 27, 2023
Instrument	20230027159
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12490 S 129TH EAST AVE, BROKEN ARROW, OK 74011-2119

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 LIVEOAK TRL, DOTHAN, AL 36305-5833

Mortgage

Document Number	0032971852
Date	Jul 31, 2023
Instrument	3297/1852

Lender

Name	SYNOVUS BANK
Type	Bank

Agreement

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

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 30, 2021
Property Address	313 E WATER ST, INLET BEACH, FL 32461
Document Number	0032044402
Book / Page	3204 / 4402
Map Reference	MB 12 PG 5-5A
Instrument Date	Jun 28, 2021
Instrument	20210032702
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4577, MIDLAND, TX 79704-4577

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9521 RIVERSIDE PKWY STE B, B, TULSA, OK 74137-7422

Mortgage

Document Number	0032044404
Date	Jun 30, 2021
Instrument	3204/4404

Lender

Name	MABREY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 28, 2031

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 28, 2020
Property Address	313 E WATER ST, INLET BEACH, FL 32461
Document Number	0031522228
Book / Page	003152 / 002228
Instrument Date	Jul 28, 2020
Instrument	27505
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$20,650.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4200 W WALL ST MIDLAND TX 797037720, MIDLAND, TX 79703-7720

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	$29,359.00 (-4.36%)	$3,249,284 (+2.35%) Land $1,050,000 Building $2,199,284	$3,249,284 (+2.35%) Land $1,050,000 Building $2,199,284
2024	$30,696.00 (+7.69%)
2023	$28,504.00 (+9.01%)	$3,174,728 (+12.51%) Land $905,000 Building $2,269,728	$3,174,728 (+12.51%) Land $905,000 Building $2,269,728
2022	$26,149.00	$2,821,677 Land $805,619 Building $2,016,058	$2,821,677 Land $805,619 Building $2,016,058

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 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	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

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	Under 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.

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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Mediacom Xtream Fiber · Cable	2,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: WOW Internet, Cable & Phone.

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