Walton County property record for 385 Needlerush Dr, Santa Rosa Beach, FL 32459
| Property Type | Single Family Home |
|---|---|
| Details | 8 bd · 8 ba · 5,161 sqft · built 2006 |
| Lot Size | 0.179 acres (7,801 sqft) |
| Owner | Company Name on File |
| Last Sale | $3,500,000 (Mar 2022) |
| Tax Bill | $15,662 (2023) |
| Deeds & Mortgages | Feb 2024 Mortgage Mar 2022 Sale & Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-3S-19-25421-000-0190 |
| Primary APN | 15-3S-19-25421-000-0190 |
|---|---|
| Alternative APN |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 8 Baths |
| Stories | 4 Stories |
| Building Area | 5,161 sqft Living Area |
| Gross Area | 6,776 sqft |
| Flooring | Steel Beam |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,801 sqft (0.179 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Porch |
|---|---|
| Porch Area | 923 sqft |
| Deck Area | Deck Area |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1025268 |
|---|---|
| Street Address | 385 NEEDLERUSH DR |
| City | SANTA ROSA BEACH |
| State | FL |
| Zip | 32459-7173 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 19 WIREGRASS MEADOWS AT WATERCOLOR PB 15-59 OR 2551-139 OR 3186-2466 OR 3192-3266 OR 3242-2708 |
| Legal Range | 19W |
| Legal Township | 03S |
| Legal Section | 15 |
| Legal Subdivision | WIREGRASS MEADOWS AT WATERCOLR |
| Legal Lot Number | 19 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 950606 |
385 Needlerush Dr is owned by a company that bought it in March 2022.
Source: Walton County records, as of December 17, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 17WEST HARPER ST, POPLAR BLUFF, MO 63901 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 7, 2024 | Deed of Trust, Mortgage SOUTHERN BANK REAL ESTATE INVESTMENTS LL |
| Mar 10, 2022 | Warranty Deed, Transfer · Line of Credit SOUTHERN BANK |
| Apr 14, 2021 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Mar 5, 2021 | Warranty Deed, Transfer · Line of Credit BANCORPSOUTH BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 10, 2022 · Amount on File |
| Deed Sale | Mar 10, 2022 · Amount on File |
| Prior Sale | Apr 14, 2021 · Amount on File |
| Deed Document Number | 20220011366 |
| Deed Book / Page | 3242 / 2708 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 385 NEEDLERUSH DR, SANTA ROSA BEACH, FL 32459-7173 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0033144564 |
|---|---|
| Date | Feb 7, 2024 |
| Book Page | 3314/4564 |
| Instrument | 20240004258 |
| Name | SOUTHERN BANK REAL ESTATE INVESTMENTS LL |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 10, 2022 |
| Property Address | 385 NEEDLERUSH DR, SANTA ROSA BEACH, FL 32459-7173 |
| Document Number | 0032422708 |
| Book / Page | 3242 / 2708 |
| Map Reference | MB 15 PG 59 |
| Instrument Date | Mar 8, 2022 |
| Instrument | 20220011366 |
| Transaction Type | Transfer |
| Record Updated | Mar 29, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $24,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 174 WATERCOLOR WAY, 174, SANTA ROSA BEACH, FL 32459-7350 |
| Name | Verified Name |
|---|---|
| Address | 1135 LESTER ST, POPLAR BLUFF, MO 63901-4833 |
| Document Number | 0032422710 |
|---|---|
| Date | Mar 10, 2022 |
| Instrument | 3242/2710 |
| Name | SOUTHERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 84 Months |
| Due | Mar 17, 2029 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Apr 14, 2021 |
| Property Address | 385 NEEDLERUSH DR, SANTA ROSA BEACH, FL 32459-7173 |
| Document Number | 0031923266 |
| Book / Page | 3192 / 3266 |
| Map Reference | MB 15 PG 59 |
| Instrument Date | Apr 12, 2021 |
| Instrument | 20210017958 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $17,500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2094 LINDSEY LN, 2094, NICEVILLE, FL 32578-1625 |
| Name | Verified Name |
|---|---|
| Address | 174 WATERCOLOR WAY # 205, 205, SANTA ROSA BEACH, FL 32459-7350 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 5, 2021 |
| Property Address | 385 NEEDLERUSH DR, SANTA ROSA BEACH, FL 32459-7173 |
| Document Number | 0031862466 |
| Book / Page | 3186 / 2466 |
| Map Reference | MB 15 PG 59 |
| Instrument Date | Mar 4, 2021 |
| Instrument | 20210010797 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $14,525.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4515 HAMPTON WOODS DR NE, 4515, MARIETTA, GA 30068-5402 |
| Name | Verified Name |
|---|---|
| Address | 385 NEEDLERUSH DR, SANTA ROSA BEACH, FL 32459-7173 |
| Document Number | 0031862468 |
|---|---|
| Date | Mar 5, 2021 |
| Instrument | 3186/2468 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 3, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Walton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,538,750 Land $1,055,091 Building $3,483,659 | $4,538,750 Land $1,055,091 Building $3,483,659 | |
| 2023 | $15,662.00 (-41.5%) | $1,723,777 (-40.33%) Land $1,055,091 Building $668,686 | $1,723,777 (-40.33%) Land $1,055,091 Building $668,686 |
| 2022 | $26,772.00 | $2,888,872 Land $1,171,151 Building $1,717,721 | $2,888,872 Land $1,171,151 Building $1,717,721 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 385 Needlerush Dr 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 AE, 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 |
|
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 risk around 385 Needlerush Dr is moderate, ranking above 48% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · lower than 81% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 453 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 · Cable in parts of the area | 2,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
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