40 White Cliffs Dr, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 40 White Cliffs Dr, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 3,182 sqft · built 2013
Lot Size	0.141 acres (6,142 sqft)
Owner	Company Name on File
Last Sale	$1,290,000 (Jun 2020)
Tax Bill	$9,877 (2024)
Deeds & Mortgages	Dec 2022 Transfer Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-3S-20-34631-00C-0010`

Property Details

APN / Parcel Number

Primary APN	`12-3S-20-34631-00C-0010`
Alternative APN	`1017715`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Stories	3 Stories
Building Area	3,182 sqft Living Area
Gross Area	4,326 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2013
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	6,142 sqft (0.141 acres)
Lot Dimensions	10.3 ft deep x 6 ft wide
Garage Type	Detached - Finished
Garage Area	396 sqft

Exterior Amenities

Porch	Porch
Porch Area	748 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1017715
Street Address	40 WHITE CLIFFS DR
City	SANTA ROSA BEACH
State	FL
Zip	32459-4581
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK C VILLAGE OF WHITE CLIFFS S/D PB 10-18 OR 1714-429 OR 2011-419 OR 2524-384 OR 2898-2611 OR 3003-690 OR 3147-1741 OR
Legal Range	20W
Legal Township	03S
Legal Section	12
Legal Subdivision	WHITE CLIFFS S/D
Legal Block	C
Legal Lot Number	1
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1035
Census Tract	950606

Owner

40 White Cliffs Dr is owned by a company that acquired it in December 2022 and is owner-occupied.

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

Owner of Record	Company Name on File
Co-owner	Co-owner on File
Mailing Address	40 WHITE CLIFFS DR, SANTA ROSA BEACH, FL 32459-4581
Occupancy	Owner Occupied
Owner Type	Individual, Secondary Company

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
Dec 2, 2022	Gift Deed, Transfer ACCOMMODATION
Jun 23, 2020	Warranty Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2020 · Amount on File
Deed Sale	Jun 23, 2020 · Amount on File
Prior Sale	Jun 23, 2020 · Amount on File
Deed Document Number	0031471741
Deed Book / Page	003147 / 001741
Last Transfer Date	Dec 2, 2022
Transfer Doc	0032742828
Record Updated	Jun 8, 2026

December 2022: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	WALTON FL
Recording Date	Dec 2, 2022
Property Address	40 WHITE CLIFFS DR, SANTA ROSA BEACH, FL 32459-4581
Document Number	0032742828
Book / Page	3274 / 2828
Map Reference	MB 10 PG 18
Instrument Date	Nov 29, 2022
Instrument	20220051951
Transaction Type	Transfer
Record Updated	Dec 27, 2022
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 WHITE CLIFFS DR, SANTA ROSA BEACH, FL 32459-4581

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 WHITE CLIFFS DR, SANTA ROSA BEACH, FL 32459-4581

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 23, 2020
Property Address	40 WHITE CLIFFS DR, SANTA ROSA BEACH, FL 32459-4581
Document Number	0031471741
Book / Page	003147 / 001741
Instrument Date	Jun 19, 2020
Instrument	21614
Transaction Type	Transfer
Record Updated	Jul 31, 2020
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,030.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 218 SUWANEE GA 300240003, SUWANEE, GA 30024-0003

Mortgage

Document Number	31471744
Date	Jun 23, 2020
Book Page	003147/001744
Instrument	21615

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 22, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%

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		$1,662,172 Land $525,000 Building $1,137,172	$1,662,172 Land $525,000 Building $1,137,172
2024	$9,877.00 (+3.65%)
2023	$9,529.00 (+1.09%) Homeowner's exemption	$1,608,888 (+12.11%) Land $525,000 Building $1,083,888	$1,608,888 (+12.11%) Land $525,000 Building $1,083,888
2022	$9,426.00 Homeowner's exemption	$1,435,145 Land $474,525 Building $960,620	$1,435,145 Land $474,525 Building $960,620

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

Flood

FEMA maps place 40 White Cliffs Dr 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 40 White Cliffs Dr 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.

Nearby Properties on White Cliffs Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures