321 Forest St, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 321 Forest St, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,610 sqft · built 2006
Lot Size	0.182 acres (7,928 sqft)
Owner	Company Name on File
Last Sale	$1,650,000 (Dec 2021)
Tax Bill	$15,376 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-3S-19-25070-00F-0010`

Property Details

APN / Parcel Number

Primary APN	`15-3S-19-25070-00F-0010`
Alternative APNs	`15-319-25070-00F-0010` `1024102`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,610 sqft Living Area
Gross Area	2,138 sqft
1st Floor Area	805 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,928 sqft (0.182 acres)
Lot Dimensions	156 ft deep x 51 ft wide
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	321 FOREST ST
City	SANTA ROSA BEACH
State	FL
Zip	32459-6266
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 1 BLK F SEAGROVE 1ST ADDITION PB 2-29 OR 2594-1181 OR 2716-2438 OR 2751-4475 OR 2774-3532 OR 2806-1001 OR 3231-4668
Legal Range	019
Legal Township	03S
Legal Section	15
Legal Subdivision	SEAGROVE 1ST ADDITION
Legal Block	F
Legal Lot Number	1
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2124
Census Tract	950606

Owner

321 Forest St is owned by a company that bought it in December 2021.

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

Owner of Record	Company Name on File
Mailing Address	33045 LAKESHORE DR, TAVARES, FL 32778-5037
Owner Type	Company
Vesting	Limited Liability Company

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2021 · Amount on File
Deed Sale	Dec 29, 2021 · Amount on File
Prior Sale	Oct 3, 2007 · Amount on File
Deed Document Number	202164348
Deed Book / Page	3231 / 4668
Prior Transfer Date	Nov 19, 2008
Prior Transfer Doc	0028061001
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 29, 2021
Property Address	321 FOREST ST, SANTA ROSA BEACH, FL 32459-6266
Document Number	0032314668
Book / Page	3231 / 4668
Map Reference	MB 2 PG 29
Instrument Date	Dec 27, 2021
Instrument	20210064348
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	319 OVERBROOK RD, 319, MOUNTAIN BRK, AL 35213-4319

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33045 LAKESHORE DR, TAVARES, FL 32778-5037

Mortgage

Document Number	0032314670
Date	Dec 29, 2021
Instrument	3231/4670

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jan 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.62%
Index	Other
Max Rate	7.62%

Tax Assessment & Valuation

The 2025 property tax bill for 321 Forest St was $15,376, down 3.7% 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	$15,376.00 (-3.74%)	$1,701,718 Land $1,121,250 Building $580,468	$1,701,718 Land $1,121,250 Building $580,468
2024	$15,974.00 (+5.26%)
2023	$15,176.00 (+17.47%)	$1,825,705 (+30.96%) Land $1,231,650 Building $594,055	$1,825,705 (+30.96%) Land $1,231,650 Building $594,055
2022	$12,919.00	$1,394,043 Land $847,937 Building $546,106	$1,394,043 Land $847,937 Building $546,106

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

Flood

FEMA maps place 321 Forest St 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 814 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,113 units insured incl. 299 condo units
Nearby Flood Claims	10 (2014–2023)
Claims Outside the SFHA	7 of 10
Most Recent Claim	Jul 2023 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 4 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 321 Forest St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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 361 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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