409 E Water St, Inlet Beach, FL 32461 Property Records

Walton County property record for 409 E Water St, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 3,527 sqft · built 2002
Lot Size	0.127 acres (5,532 sqft)
Owner	Company Name on Record
Last Sale	$7,350,000 (Jul 2017)
Tax Bill	$77,098 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-3S-18-16060-018-0010`

Property Details

APN / Parcel Number

Primary APN	`35-3S-18-16060-018-0010`
Alternative APNs	`35-318-16060-018-0010` `1080208`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,527 sqft Living Area
Gross Area	5,648 sqft
1st Floor Area	1,413 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	5,532 sqft (0.127 acres)
Lot Dimensions	77 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	484 sqft
Porch	Finished/Open Porch
Porch Area	1,316 sqft
Patio Area	285 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 E WATER ST
City	INLET BEACH
State	FL
Zip	32461
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK 18 ROSEMARY BEACH PH 3 PB 13-2 OR 1858-281 OR 2969-1617 OR 3048-1328
Legal Range	018
Legal Township	03S
Legal Section	35
Legal Subdivision	ROSEMARY BEACH PH 3
Legal Phase	3
Legal Block	18
Legal Lot Number	1
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1002
Census Tract	950611

Owner

Source: Walton County records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1900 N AKARD ST, DALLAS, TX 75201-2729
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · Commercial Mortgage BMO HARRIS BANK NA
Jul 28, 2017	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2017 · Amount on Record
Deed Sale	Jul 28, 2017 · Amount on Record
Prior Sale	Jan 23, 2015 · Amount on Record
Deed Document Number	201724985
Deed Book / Page	3048 / 1328
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	409 E WATER ST, INLET BEACH, FL 32461
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1900 N AKARD ST, DALLAS, TX 75201-2729

Mortgage

Document Number	0032084256
Date	Jul 26, 2021
Book Page	3208/4256
Instrument	20210037417

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	WEST PALM BEACH, FL 33401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	86 Months
Due	Sep 1, 2028

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 28, 2017
Property Address	409 E WATER ST, INLET BEACH, FL 32461
Document Number	0030481328
Book / Page	3048 / 1328
Map Reference	MB13 PG2&2A
Instrument Date	Jul 28, 2017
Instrument	20170024985
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	BLUE TITLE 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	3902 EAGLE CV, 3902, OXFORD, MS 38655-5707

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1900 N AKARD ST, DALLAS, TX 75201-2300

Mortgage

Document Number	0030481332
Date	Jul 28, 2017
Instrument	3048/1332

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2032

Tax Assessment & Valuation

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	$77,098.00	$8,532,697 (-6.29%) Land $3,375,000 Building $5,157,697	$8,532,697 (-6.29%) Land $3,375,000 Building $5,157,697
2023	$75,294.00 (+10.35%)	$9,105,148 (+15.23%) Land $3,375,000 Building $5,730,148	$9,105,148 (+15.23%) Land $3,375,000 Building $5,730,148
2022	$68,232.00	$7,901,759 Land $2,584,884 Building $5,316,875	$7,901,759 Land $2,584,884 Building $5,316,875

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 846 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,737 units insured incl. 891 condo units
Nearby Flood Claims	9 (2004–2020)
Claims Outside the SFHA	4 of 9
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims Hurricane Frances, Sep 2004 · 2 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	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 100 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	2,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: WOW Internet, Cable & Phone.

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