38 Blue Stem Ln, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 38 Blue Stem Ln, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,255 sqft · built 2012
Lot Size	0.117 acres (5,097 sqft)
Owner	2 Trust Names on File
Last Sale	$1,710,000 (Aug 2017)
Tax Bill	$22,685 (2025)
Deeds & Mortgages	Sep 2026 Sale Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-3S-19-25425-000-0080`

Property Details

APN / Parcel Number

Primary APN	`15-3S-19-25425-000-0080`
Alternative APNs	`15-319-25425-000-0080` `1025358`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,255 sqft Living Area
Gross Area	4,230 sqft
1st Floor Area	1,590 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Hardboard
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,097 sqft (0.117 acres)
Lot Dimensions	45 ft deep x 114 ft wide
Driveway	Brick Driveway

Exterior Amenities

Porch	Patio
Porch Area	741 sqft
Deck Area	Deck Area
Patio Area	153 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	38 BLUE STEM LN
City	SANTA ROSA BEACH
State	FL
Zip	32459-7978
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 LONG LEAF PARK AT WATERCOLOR PB 15-96 OR 2614-4772 OR 2823-4924 OR 2862-4852 OR 2865-441 OR 2955-3086 OR 3049-1676
Legal Range	019
Legal Township	03S
Legal Section	15
Legal Subdivision	WATERCOLOR
Legal Lot Number	8
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2045
Census Tract	950606

Owner

38 Blue Stem Ln is held in a trust since September 2026.

Source: Walton County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	6206 BRIDLEWOOD LN, BRENTWOOD, TN 37027-4904
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
Aug 9, 2017	Warranty Deed, Transfer · Conventional Mortgage PINNACLE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2017 · Amount on File
Deed Sale	Aug 9, 2017 · Amount on File
Prior Sale	Jul 25, 2014 · Amount on File
Deed Document Number	201726406
Deed Book / Page	3049 / 1676
Last Transfer Date	Sep 4, 2026
Transfer Doc	0000036868
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Sep 4, 2026
Property Address	38 BLUE STEM LN, SANTA ROSA BEACH, FL 32459-7978
Document Number	0000036868
Book / Page	3411 / 4409
Instrument Date	Sep 4, 2026
Instrument	202636868
Transaction Type	Transfer
Record Updated	Sep 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	6206 BRIDLEWOOD LN, BRENTWOOD, TN 37027-4904

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	38 BLUE STEM LN, SANTA ROSA BEACH, FL 32459-7978
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 ANINCOURT WAY, BRENTWOOD, TN 37027-4243

Mortgage

Document Number	0031810511
Date	Feb 1, 2021
Book Page	3181/511
Instrument	20210004758

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

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

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 9, 2017
Property Address	38 BLUE STEM LN, SANTA ROSA BEACH, FL 32459-7978
Document Number	0030491676
Book / Page	3049 / 1676
Map Reference	MB15 PG96&96B
Instrument Date	Aug 8, 2017
Instrument	20170026406
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3609 W JACKSON ST, 3609, TUPELO, MS 38801-7060

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 AGINCOURT WAY, BRENTWOOD, TN 37027-4243

Mortgage

Document Number	0030491679
Date	Aug 9, 2017
Instrument	3049/1679

Lender

Name	PINNACLE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 38 Blue Stem Ln was $22,685, up 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	$22,685.00 (+3.68%)	$2,661,992 Land $1,250,000 Building $1,411,992	$2,661,992 Land $1,250,000 Building $1,411,992
2024	$21,880.00 (+4.51%)
2023	$20,936.00 (+5.34%)	$2,691,674 (+5.76%) Land $1,250,000 Building $1,441,674	$2,691,674 (+5.76%) Land $1,250,000 Building $1,441,674
2022	$19,874.00	$2,545,139 Land $782,213 Building $1,762,926	$2,545,139 Land $782,213 Building $1,762,926

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

Flood

FEMA maps place 38 Blue Stem Ln 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 A, 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 38 Blue Stem Ln is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · lower than 62% 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Mediacom Xtream Fiber	2,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wildstar Networks.

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