348 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 348 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,960 sqft · built 2018
Lot Size	0.087 acres (3,797 sqft)
Owner	Individual Name on Record
Last Sale	$680,000 (Sep 2020)
Tax Bill	$10,485 (2024)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Apr 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11-3S-19-25012-000-3490`

Property Details

APN / Parcel Number

Primary APN	`11-3S-19-25012-000-3490`
Alternative APN	`1015990`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,960 sqft Living Area
Gross Area	2,651 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2018
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	3,797 sqft (0.087 acres)
Garage Type	Finished
Garage Area	448 sqft
Porch	Porch
Porch Area	243 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1015990
Street Address	348 FLATWOODS FOREST LOOP
City	SANTA ROSA BEACH
State	FL
Zip	32459-8851
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 349 NATUREWALK AT SEAGROVE THIRD REPLAT PB 19-10 OR 3073-2137 OR 3103-413 OR 3160-1117
Legal Range	19W
Legal Township	03S
Legal Section	11
Legal Subdivision	NATUREWALK AT SEAGROVE THIRD
Legal Lot Number	349
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1028
Census Tract	950610

Owner

Source: Walton County records, as of December 17, 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 Record
Mailing Address	1129 GRAND OAKS GLN NW, MARIETTA, GA 30064-5428
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2020	Warranty Deed, Transfer · Conventional Mortgage FBT MORTGAGE LLC
Apr 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY LNDG
Apr 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY LNDG
Apr 22, 2019	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY LNDG
May 11, 2018	Grant Deed, Subdivision Related Transfer K TITLE COMPANY LLC, K TITLE CO LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2020 · Amount on Record
Deed Sale	Sep 21, 2020 · Amount on Record
Prior Sale	Apr 22, 2019 · Amount on Record
Deed Document Number	20200036420
Deed Book / Page	3160 / 1117
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 21, 2020
Property Address	348 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8851
Document Number	0031601117
Book / Page	3160 / 1117
Map Reference	MB 19 PG 10
Instrument Date	Sep 14, 2020
Instrument	20200036420
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	$4,760.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	116 AMANDA DR, 116, SLIDELL, LA 70458-6005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1129 GRAND OAKS GLN NW, MARIETTA, GA 30064-5428

Mortgage

Document Number	0031601119
Date	Sep 21, 2020
Instrument	3160/1119

Lender

Name	FBT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	348 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8851
Document Number	0031401504
Instrument Date	Apr 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	348 FLATWOODS FOREST LOOP SANTA ROSA BEACH FL 324598851, SANTA ROSA BEACH, FL 32459-8851

Mortgage

Document Number	0031401504
Date	Apr 21, 2020
Book Page	003140/001504
Instrument	13656

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	348 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8851
Document Number	0031412109
Instrument Date	Apr 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	348 FLATWOODS FOREST LOOP SANTA ROSA BEACH FL 324598851, SANTA ROSA BEACH, FL 32459-8851

Mortgage

Document Number	0031412109
Date	Apr 30, 2020
Book Page	003141/002109
Instrument	14846

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 22, 2019
Property Address	348 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8851
Document Number	0031030413
Book / Page	003103 / 000413
Instrument Date	Apr 17, 2019
Instrument	12408
Transaction Type	Transfer
Record Updated	May 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3436 MAGAZINE ST #7169 NEW ORLEANS LA 701152413, 7169, NEW ORLEANS, LA 70115-2413

Mortgage

Document Number	31030414
Date	Apr 22, 2019
Book Page	003103/000414
Instrument	12409

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 21, 2049

May 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	May 11, 2018
Property Address	348 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8851
Document Number	0030732137
Book / Page	003073 / 002137
Instrument Date	Apr 30, 2018
Instrument	15532
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 18, 2018
Title Company	K TITLE COMPANY LLC, K TITLE CO LLC

Transaction

Amount	Amount Recorded
Tax	$3,821.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3065 MADISON WAY ROSWELL GA 300766429, ROSWELL, GA 30076-6429

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		$776,292 (-13.9%) Land $125,000 Building $651,292	$776,292 (-13.9%) Land $125,000 Building $651,292
2024	$10,485.00 (+4.52%)
2023	$10,032.00 (+5.04%)	$901,632 (+9.21%) Land $120,472 Building $781,160	$901,632 (+9.21%) Land $120,472 Building $781,160
2022	$9,551.00	$825,577 Land $133,724 Building $691,853	$825,577 Land $133,724 Building $691,853

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 645 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,249 units insured incl. 604 condo units
Nearby Flood Claims	16 (2004–2023)
Claims Outside the SFHA	10 of 16
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 2 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 69% of the US · above 50% of Florida
Wildfire Likelihood	0.2% 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 190 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
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

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