41 Chance Ln, Inlet Beach, FL 32461 Property Records

Walton County property record for 41 Chance Ln, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,924 sqft · built 2020
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Dec 2018)
Tax Bill	$12,522 (2025)
Deeds & Mortgages	Jul 2020 Sale Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-3S-18-16100-000-0010`

Property Details

APN / Parcel Number

Primary APN	`21-3S-18-16100-000-0010`
Alternative APNs	`21-318-16100-000-0010` `1038379`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,924 sqft Living Area
Gross Area	3,573 sqft
1st Floor Area	1,454 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	86 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	265 sqft
Porch	Finished Screened Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	41 CHANCE LN
City	INLET BEACH
State	FL
Zip	32461-0702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NI
Legal Description	LOT 1 LANDING AT CAMP CREEK S/D PB 14-64 OR 2310-789 OR 2422-530 OR 2687-4879 OR 2697-4314 OR 2854-1072 OR 3055-2837 OR 3092-4020 OR 3148-4182
Legal Range	018
Legal Township	03S
Legal Section	21
Legal Subdivision	CAMP CREEK
Legal Lot Number	1
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1042
Census Tract	950610

Owner

Source: Walton County records, as of December 3, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	41 CHANCE LN, INLET BEACH, FL 32461-0702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2020	Warranty Deed, Subdivision Related Transfer ATTORNEY ONLY
Aug 26, 2019	Deed of Trust, Mortgage ADELAIDE MTG SOLUTIONS
Dec 18, 2018	Warranty Deed, Transfer SETCO SERVICES LLC-30A, SETCO SVCS LLC-30A
Oct 20, 2017	Deed of Trust, Foreclosure · Line of Credit SMARTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2018 · Amount on Record
Deed Sale	Dec 18, 2018 · Amount on Record
Prior Sale	Oct 23, 2017 · Amount on Record
Deed Document Number	201841727
Deed Book / Page	3092 / 4020
Prior Transfer Date	Jul 23, 2010
Prior Transfer Doc	0028541072
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 2, 2020
Property Address	41 CHANCE LN, INLET BEACH, FL 32461-0702
Document Number	0031484182
Book / Page	003148 / 004182
Instrument Date	Jun 26, 2020
Instrument	23271
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$6,983.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 CHANCE LN WATERSOUND FL 32461, WATERSOUND, FL 32461

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	41 CHANCE LN, INLET BEACH, FL 32461-0702
Document Number	0031160669
Instrument Date	Aug 26, 2019
Transaction Type	Mortgage
Record Updated	Sep 23, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0031160669
Date	Aug 27, 2019
Book Page	003116/000669
Instrument	29366

Lender

Name	ADELAIDE MTG SOLUTIONS
Address	12805 US HIGHWAY 98 E, INLET BEACH, FL 32461-9630

Agreement

Amount	Amount Recorded

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 18, 2018
Property Address	41 CHANCE LN, INLET BEACH, FL 32461-0702
Document Number	0030924020
Book / Page	003092 / 004020
Instrument Date	Dec 13, 2018
Instrument	41727
Transaction Type	Transfer
Record Updated	Jan 8, 2019
Title Company	SETCO SERVICES LLC-30A, SETCO SVCS LLC-30A

Transaction

Amount	Amount Recorded
Tax	$910.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	29 UPTOWN GRAYTON CIR #2 SANTA ROSA BEACH FL 324598808, 2, SANTA ROSA BEACH, FL 32459-8808

October 2017: Deed of Trust, Foreclosure

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	41 CHANCE LN, INLET BEACH, FL 32461-0702
Document Number	0030552839
Book / Page	003055 / 002839
Instrument Date	Oct 20, 2017
Transaction Type	Foreclosure
Record Updated	Nov 14, 2017

Transaction

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	290 SEABREEZE BLVD INLET BEACH FL 324617055, INLET BEACH, FL 32461-7055

Mortgage

Document Number	0030552839
Date	Oct 23, 2017
Book Page	003055/002839
Instrument	34950

Lender

Name	SMARTBANK
Type	Bank
Address	PIGEON FORGE, TN 37868-1910

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$12,522.00 (+3.39%)	$1,586,379 (+9.84%) Land $300,000 Building $1,286,379	$1,586,379 (+9.84%) Land $300,000 Building $1,286,379
2024	$12,111.00 (+10.47%)
2023	$10,963.00 (+8.24%)	$1,444,256 (+11.09%) Land $144,910 Building $1,299,346	$1,444,256 (+11.09%) Land $144,910 Building $1,299,346
2022	$10,128.00	$1,300,128 Land $160,850 Building $1,139,278	$1,300,128 Land $160,850 Building $1,139,278

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 AE, 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 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.1% 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 111 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	1,000 / 50

May also be available: Wildstar Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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