34 Snapper St, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 34 Snapper St, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,926 sqft · built 2016
Lot Size	0.07 acres (3,050 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (Oct 2016)
Tax Bill	$3,641 (2024)
Deeds & Mortgages	Jul 2021 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-3S-20-34030-00G-0090`

Property Details

APN / Parcel Number

Primary APN	`12-3S-20-34030-00G-0090`
Alternative APN	`1017018`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,926 sqft Living Area
Gross Area	2,364 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2016
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,050 sqft (0.07 acres)
Lot Dimensions	7 ft deep x 4.4 ft wide
Garage Type	Finished
Garage Area	216 sqft

Exterior Amenities

Porch	Porch
Porch Area	168 sqft
Deck Area	Deck Area
Patio Area	54 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1017018
Street Address	34 SNAPPER ST
City	SANTA ROSA BEACH
State	FL
Zip	32459-4512
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLK G BLUE GULF RESORT UNIT 1 PB 3-69 OR 934-277 OR 1179-170 OR 1172-197 OR 1826-293 OR 2927-4143 OR 2969-1167 OR
Legal Range	20W
Legal Township	03S
Legal Section	12
Legal Subdivision	BLUE GULF RESORT UNIT 1
Legal Block	G
Legal Lot Number	9
Legal Unit	1
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1035
Census Tract	950606

Owner

34 Snapper St is owned and occupied by an individual who bought it in October 2016.

Source: Walton County records, as of December 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	34 SNAPPER ST, SANTA ROSA BEACH, FL 32459-4512
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jul 19, 2021	Deed of Trust, Mortgage · Line of Credit WHITNEY BANK
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage HANCOCK WHITNEY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2016 · Amount on File
Deed Sale	Oct 4, 2016 · Amount on File
Prior Sale	Jan 22, 2015 · Amount on File
Deed Document Number	2016000032382
Deed Book / Page	3022 / 2053
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	34 SNAPPER ST, SANTA ROSA BEACH, FL 32459-4512
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 SNAPPER ST, SANTA ROSA BEACH, FL 32459-4512

Mortgage

Document Number	0032073872
Date	Jul 19, 2021
Book Page	3207/3872
Instrument	20210036052

Lender

Name	WHITNEY BANK
Type	Bank
Address	SANTA ROSA BEACH, FL 32459

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jun 25, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	34 SNAPPER ST, SANTA ROSA BEACH, FL 32459-4512
Document Number	0031694091
Instrument Date	Nov 12, 2020
Transaction Type	Mortgage
Record Updated	Dec 8, 2020
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	34 SNAPPER ST SANTA ROSA BEACH FL 324594512, SANTA ROSA BEACH, FL 32459-4512

Mortgage

Document Number	0031694091
Date	Nov 19, 2020
Book Page	003169/004091
Instrument	47456

Lender

Name	HANCOCK WHITNEY BK
Address	GULFPORT, MS 39501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 18, 2035

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$868,991 Land $335,000 Building $533,991	$868,991 Land $335,000 Building $533,991
2024	$3,641.00 (+3.85%)
2023	$3,506.00 (+1.27%) Homeowner's exemption	$921,198 (+19.15%) Land $335,000 Building $586,198	$921,198 (+19.15%) Land $335,000 Building $586,198
2022	$3,462.00 Homeowner's exemption	$773,137 Land $218,115 Building $555,022	$773,137 Land $218,115 Building $555,022

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

Flood

FEMA maps place 34 Snapper St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 2005.

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 File 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

Wildfire risk around 34 Snapper St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% 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 369 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, CenturyLink.

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