Walton County property record for 321 Sand Cliffs Dr, Inlet Beach, FL 32461
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,499 sqft · built 1991 |
| Lot Size | 0.173 acres (7,536 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,250,000 (May 2021) |
| Tax Bill | $17,281 (2024) |
| Deeds & Mortgages | May 2021 Sale & Mortgage Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-3S-18-16054-00B-0200 |
| Primary APN | 27-3S-18-16054-00B-0200 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 3 Stories |
| Building Area | 2,499 sqft Living Area |
| Gross Area | 4,286 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,536 sqft (0.173 acres) |
| Lot Dimensions | 14.5 ft deep x 5.2 ft wide |
| Garage Type | Finished |
| Garage Area | 300 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 763 sqft |
| Patio Area | 580 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1057398 |
|---|---|
| Street Address | 321 SAND CLIFFS DR |
| City | INLET BEACH |
| State | FL |
| Zip | 32461-7185 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 20 BLK B SAND CLIFFS S/D 3RD ADD PB 5-36 OR 1090-116 OR 1608-6 OR 2270-161 OR 2483-1828 OR 2602-4098 OR 3029-2612 OR |
| Legal Range | 18W |
| Legal Township | 03S |
| Legal Section | 27 |
| Legal Subdivision | SAND CLIFFS S/D |
| Legal Block | B |
| Legal Lot Number | 20 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 950611 |
Source: Walton County records · APN 27-3S-18-16054-00B-0200
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 611481, ROSEMARY BEACH, FL 32461-1004 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2021 | Warranty Deed, Transfer · Conventional Mortgage WHITNEY BANK |
| Jun 21, 2017 | Deed of Trust, Mortgage SIMMONS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 12, 2021 · Amount on Record |
| Deed Sale | May 12, 2021 · Amount on Record |
| Prior Sale | Apr 01, 2004 · Amount on Record |
| Deed Document Number | 20210023564 |
| Deed Book / Page | 3197 / 1710 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | May 12, 2021 |
| Property Address | 321 SAND CLIFFS DR, INLET BEACH, FL 32461-7185 |
| Document Number | 0031971710 |
| Book / Page | 3197 / 1710 |
| Map Reference | MB 5 PG 36 |
| Instrument Date | Apr 28, 2021 |
| Instrument | 20210023564 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2023 |
| Title Company | MITCHELL LAND AND TITLE, MITCHELL LAND & TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1006 FAIRWAY CIR, JONESBORO, AR 72401-4318 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 611481, ROSEMARY BEACH, FL 32461-1004 |
| Document Number | 0031971712 |
|---|---|
| Date | May 12, 2021 |
| Instrument | 3197/1712 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 321 SAND CLIFFS DR, INLET BEACH, FL 32461-7185 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030443268 |
|---|---|
| Date | Jun 21, 2017 |
| Book Page | 3044/3268 |
| Instrument | 20170020272 |
| Name | SIMMONS BANK |
|---|---|
| Type | Bank |
| Address | JONESBORO, AR 72401 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 09, 2047 |
Source: Walton County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,731,237 (+56.26%) Land $2,150,000 Building $581,237 | $2,731,237 (+56.26%) Land $2,150,000 Building $581,237 | |
| 2024 | $17,281.00 (+8.81%) | ||
| 2023 | $15,882.00 (+4.24%) | $1,747,915 (+6.32%) Land $1,300,000 Building $447,915 | $1,747,915 (+6.32%) Land $1,300,000 Building $447,915 |
| 2022 | $15,236.00 | $1,644,087 Land $1,443,000 Building $201,087 | $1,644,087 Land $1,443,000 Building $201,087 |
Source: FEMA National Flood Hazard Layer as of June 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Mediacom Communications Cable | 1,000 / 50 |
May also be available: AT&T, Verizon, Wildstar Networks.
Based on FCC filings for 96 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | REGIONAL UTILITIES WATER SYSTEM private · serves 62,225 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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