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

Walton County property record for 405 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,077 sqft · built 2018
Lot Size	0.103 acres (4,530 sqft)
Owner	Individual Name on Record
Last Sale	$1,500,000 (Nov 2021)
Tax Bill	$16,836 (2024)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-3S-19-25010-000-1830`

Property Details

APN / Parcel Number

Primary APN	`11-3S-19-25010-000-1830`
Alternative APN	`1015820`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,077 sqft Living Area
Gross Area	4,114 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2018
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,530 sqft (0.103 acres)
Lot Dimensions	9 ft deep x 4.2 ft wide
Garage Type	Finished
Garage Area	225 sqft
Porch	Porch
Porch Area	787 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1015820
Street Address	405 FLATWOODS FOREST LOOP
City	SANTA ROSA BEACH
State	FL
Zip	32459-8842
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 183 NATUREWALK AT SEAGROVE PB 17-34 REPLAT IN PB 18-8 OR 2844-4432 OR 3082-2389 OR 3159-2510 OR 3226-4818
Legal Range	19W
Legal Township	03S
Legal Section	11
Legal Subdivision	NATUREWALK AT SEAGROVE
Legal Lot Number	183
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1006
Census Tract	950610

Owner

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

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2933 CHERRY BLOSSOM LN, MURFREESBORO, TN 37129-0226
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC
Sep 14, 2020	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY LENDING GROUP LLC
Aug 16, 2018	Special Warranty Deed, Transfer · Conventional Mortgage GTC MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2021 · Amount on Record
Deed Sale	Nov 24, 2021 · Amount on Record
Prior Sale	Sep 14, 2020 · Amount on Record
Deed Document Number	20210058538
Deed Book / Page	3226 / 4818
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 24, 2021
Property Address	405 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8842
Document Number	0032264818
Book / Page	3226 / 4818
Map Reference	MB 18 PG 8
Instrument Date	Nov 22, 2021
Instrument	20210058538
Transaction Type	Transfer
Record Updated	Dec 9, 2021
Title Company	ADVANTAGEONE TITLE, ADVANTAGE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2701 MAJESTIC GROVE LN, 2701, MCKINNEY, TX 75069-7453

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2933 CHERRY BLOSSOM LN, MURFREESBORO, TN 37129-0226

Mortgage

Document Number	32264820
Date	Nov 24, 2021
Instrument	3226/4820

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 14, 2020
Property Address	405 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8842
Document Number	0031592510
Book / Page	3159 / 2510
Map Reference	MB 18 PG 8
Instrument Date	Jul 10, 2020
Instrument	20200035702
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	RELI TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1176 LAKE FOREST DR N, 1176, GADSDEN, AL 35907-7107

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6219 CHIMNEY PEAK LN, FRISCO, TX 75036-1125

Mortgage

Document Number	0031592511
Date	Sep 14, 2020
Instrument	3159/2511

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2050

August 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 16, 2018
Property Address	405 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8842
Document Number	0030822389
Book / Page	3082 / 2389
Map Reference	MB18 PG8
Instrument Date	Aug 9, 2018
Instrument	2018000027683
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	KTITLE CO LLC

Transaction

Amount	Amount Recorded
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	701 S OLIVE AVE # 104, 701, WEST PALM BEACH, FL 33401-6104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1176 LAKE FOREST DR N, GADSDEN, AL 35907-7107

Mortgage

Document Number	2018000027684
Date	Aug 16, 2018
Instrument	2018000027684

Lender

Name	GTC MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

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		$1,247,271 (-13.34%) Land $280,000 Building $967,271	$1,247,271 (-13.34%) Land $280,000 Building $967,271
2024	$16,836.00 (-0.17%)
2023	$16,865.00 (+4.26%)	$1,439,286 (+7.66%) Land $278,916 Building $1,160,370	$1,439,286 (+7.66%) Land $278,916 Building $1,160,370
2022	$16,176.00	$1,336,871 Land $309,596 Building $1,027,275	$1,336,871 Land $309,596 Building $1,027,275

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 500 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.

Nearby Properties on Flatwoods Forest Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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