34 E Surfside Dr, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 34 E Surfside Dr, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,630 sqft · built 2021
Lot Size	0.523 acres (22,782 sqft)
Owner	2 Company Names on Record
Last Sale	$3,100,000 (Jan 2026)
Tax Bill	$20,745 (2025)
Deeds & Mortgages	Jan 2026 Sale Feb 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-3S-20-34030-000-0340`

Property Details

APN / Parcel Number

Primary APN	`01-3S-20-34030-000-0340`
Alternative APNs	`01-320-34030-000-0340` `1001071`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,630 sqft Living Area
Gross Area	5,020 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	22,782 sqft (0.523 acres)
Lot Dimensions	215 ft deep x 106 ft wide
Garage Type	Attached
Garage Area	697 sqft
Porch	Finished Screened Porch
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	34 E SURFSIDE DR
City	SANTA ROSA BEACH
State	FL
Zip	32459-4548
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 34 PINES OF BLUE MOUNTAIN BEACH PB 6-21 OR 2390-1743 OR 3125-3173 OR 3181-1664
Legal Range	020
Legal Township	03S
Legal Section	01
Legal Subdivision	PINES OF BLUE MOUNTAIN BEACH
Legal Block	3
Legal Lot Number	34
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1008
Census Tract	950606

Owner

Source: Walton County records, as of July 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	34 E SURFSIDE DR, SANTA ROSA BEACH, FL 32459-4548
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2026	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Feb 2, 2021	Warranty Deed, Transfer · Conventional Mortgage CAPITAL CITY HOME LOANS LLC
Jan 14, 2020	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH
Nov 27, 2019	Warranty Deed, Transfer MCNEESE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2026 · Amount on Record
Deed Sale	Jan 15, 2026 · Amount on Record
Prior Sale	Feb 2, 2021 · Amount on Record
Deed Document Number	20261635
Deed Book / Page	3384 / 1295
Record Updated	Sep 20, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 15, 2026
Property Address	34 E SURFSIDE DR, SANTA ROSA BEACH, FL 32459-4548
Document Number	0033841295
Book / Page	3384 / 1295
Map Reference	MB 6 PG 21
Instrument Date	Jan 12, 2026
Instrument	20260001635
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$21,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	424 N CHURCH ST, SANTA ROSA BEACH, FL 32459-3716

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	34 E SURFSIDE DR, SANTA ROSA BEACH, FL 32459-4548

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 2, 2021
Property Address	34 E SURFSIDE DR, SANTA ROSA BEACH, FL 32459-4548
Document Number	0031811664
Book / Page	3181 / 1664
Map Reference	MB 6 PG 21
Instrument Date	Jan 29, 2021
Instrument	20210005006
Transaction Type	Transfer
Record Updated	Feb 21, 2023
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	392 EMERALD RDG, SANTA ROSA BEACH, FL 32459-4352

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 E SURFSIDE DR, SANTA ROSA BEACH, FL 32459-4548

Mortgage

Document Number	0031811666
Date	Feb 2, 2021
Instrument	3181/1666

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Type Change Date	Feb 1, 2031
Min Rate At Change	3.75%
Max Rate At Change	8.75%
Index	Other
Max Rate	8.75%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	34 E SURFSIDE DR, SANTA ROSA BEACH, FL 32459-4548
Document Number	0031301625
Instrument Date	Jan 14, 2020
Transaction Type	Mortgage
Record Updated	Feb 14, 2020
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	123 BARTONS WAY SANTA ROSA BEACH FL 324598911, SANTA ROSA BEACH, FL 32459-8911

Mortgage

Document Number	0031301625
Date	Jan 16, 2020
Book Page	003130/001625
Instrument	1678

Lender

Name	BANCORPSOUTH
Type	Bank
Address	13331 US HIGHWAY 98 W, MIRAMAR BEACH, FL 32550-6829

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jan 15, 2021

Interest

Rate Type	Adjustable Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 27, 2019
Property Address	34 E SURFSIDE DR, SANTA ROSA BEACH, FL 32459-4548
Document Number	0031253173
Book / Page	003125 / 003173
Instrument Date	Nov 21, 2019
Instrument	41656
Transaction Type	Transfer
Record Updated	Dec 17, 2019
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,715.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	123 BARTONS WAY SANTA ROSA BEACH FL 324598911, SANTA ROSA BEACH, FL 32459-8911

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	$20,745.00 (-1.08%)	$2,295,991 (+2.45%) Land $605,000 Building $1,690,991	$2,295,991 (+2.45%) Land $605,000 Building $1,690,991
2024	$20,972.00 (+5.82%)
2023	$19,818.00 (+10.52%)	$2,240,991 (+15.82%) Land $550,000 Building $1,690,991	$2,240,991 (+15.82%) Land $550,000 Building $1,690,991
2022	$17,931.00	$1,934,882 Land $444,000 Building $1,490,882	$1,934,882 Land $444,000 Building $1,490,882

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 413 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	725 units insured incl. 312 condo units
Nearby Flood Claims	12 (2005–2025)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 3 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 3 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	Moderate above 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 194 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
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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