Walton County property record for 40 Jane Cir, Santa Rosa Beach, FL 32459
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,917 sqft · built 2019 |
| Lot Size | 0.316 acres (13,765 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $100,000 (Mar 2014) |
| Tax Bill | $4,669 (2024) |
| Deeds & Mortgages | Mar 2022 Mortgage Jan 2018 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-3S-20-34190-00A-0050 |
| Primary APN | 03-3S-20-34190-00A-0050 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,917 sqft Living Area |
| Gross Area | 4,243 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 13,765 sqft (0.316 acres) |
| Lot Dimensions | 13 ft deep x 10.6 ft wide |
| Garage Type | Finished |
| Garage Area | 523 sqft |
| Porch | Porch |
| Porch Area | 775 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1005829 |
|---|---|
| Street Address | 40 JANE CIR |
| City | SANTA ROSA BEACH |
| State | FL |
| Zip | 32459-4242 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 BLK A SANTA ROSA RIDGE UNIT 2 PB 4-36 OR 2436-500 OR 2945-2879 |
| Legal Range | 20W |
| Legal Township | 03S |
| Legal Section | 03 |
| Legal Subdivision | SANTA ROSA |
| Legal Block | A |
| Legal Lot Number | 5 |
| Legal Unit | 2 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 950604 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 40 JANE CIR, SANTA ROSA BEACH, FL 32459-4242 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 23, 2022 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Jan 9, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage BRANCH BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 24, 2014 · Amount on Record |
| Deed Sale | Mar 24, 2014 · Amount on Record |
| Prior Sale | Sep 20, 2002 · Amount on Record |
| Deed Document Number | 1274666 |
| Deed Book / Page | 2945 / 2879 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 40 JANE CIR, SANTA ROSA BEACH, FL 32459-4242 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 40 JANE CIR, SANTA ROSA BEACH, FL 32459-4242 |
| Document Number | 0032442957 |
|---|---|
| Date | Mar 23, 2022 |
| Book Page | 3244/2957 |
| Instrument | 20220013819 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2042 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jan 9, 2018 |
| Property Address | 40 JANE CIR, SANTA ROSA BEACH, FL 32459-4242 |
| Document Number | 0030624096 |
| Book / Page | 003062 / 004096 |
| Instrument Date | Jan 5, 2018 |
| Instrument | 1043 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 30, 2018 |
| Title Company | BB AND T ML POST CLOSING, BB&T ML POST CLOSING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5 JANE CIR SANTA ROSA BEACH FL 32459, SANTA ROSA BEACH, FL 32459 |
| Document Number | 30624096 |
|---|---|
| Date | Jan 9, 2018 |
| Book Page | 003062/004096 |
| Instrument | 1043 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 8, 2048 |
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 | $1,068,930 (-19.67%) Land $427,500 Building $641,430 | $1,068,930 (-19.67%) Land $427,500 Building $641,430 | |
| 2024 | $4,669.00 (+3.8%) | ||
| 2023 | $4,498.00 (+1.19%) Homeowner's exemption | $1,330,732 (+9.12%) Land $226,600 Building $1,104,132 | $1,330,732 (+9.12%) Land $226,600 Building $1,104,132 |
| 2022 | $4,445.00 Homeowner's exemption | $1,219,531 Land $251,526 Building $968,005 | $1,219,531 Land $251,526 Building $968,005 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 294 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 579 units insured incl. 285 condo units |
| Nearby Flood Claims | 11 (1995–2025) |
| Claims Outside the SFHA | 3 of 11 |
| Most Recent Claim | Jan 2025 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% of the US · lower than 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 97 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 |
May also be available: AT&T, T-Mobile.
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