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

Walton County property record for 418 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,214 sqft · built 2018
Lot Size	0.09 acres (3,905 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,200,000 (Jul 2021)
Tax Bill	$10,575 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-3S-19-25012-000-3470`

Property Details

APN / Parcel Number

Primary APN	`11-3S-19-25012-000-3470`
Alternative APNs	`11-319-25012-000-3470` `1015988`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,214 sqft Living Area
Gross Area	2,974 sqft
1st Floor Area	1,110 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	3,905 sqft (0.09 acres)
Garage Type	Attached
Garage Area	90 sqft
Driveway	Brick Driveway
Porch	Finished Screened Porch
Porch Area	670 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	418 FLATWOODS FOREST LOOP
City	SANTA ROSA BEACH
State	FL
Zip	32459-8850
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TND
Legal Description	LOT 347 NATUREWALK AT SEAGROVE THIRD REPLAT PB 19-10 OR 3080-3014 OR 3205-3424
Legal Range	019
Legal Township	03S
Legal Section	11
Legal Subdivision	SEAGROVE THIRD REPLAT
Legal Block	34
Legal Lot Number	347
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1028
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	2 Individual Names on Record
Mailing Address	418 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8850
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage PROGRESS BANK & TRUST
Jul 2, 2021	Warranty Deed, Transfer · Conventional Mortgage PROGRESS BANK & TRUST
Mar 10, 2020	Deed of Trust, Mortgage · VA Mortgage CTC MORTGAGE COMPANY LLC
Jul 27, 2018	Special Warranty Deed, Transfer · VA Mortgage KTITLE CO LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2021 · Amount on Record
Deed Sale	Jul 2, 2021 · Amount on Record
Prior Sale	Jul 27, 2018 · Amount on Record
Deed Document Number	202133638
Deed Book / Page	3205 / 3424
Prior Transfer Date	Jul 26, 2018
Prior Transfer Doc	0030803014
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	418 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8850
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8850

Mortgage

Document Number	0032381656
Date	Feb 10, 2022
Book Page	3238/1656
Instrument	20220006447

Lender

Name	PROGRESS BANK & TRUST
Type	Bank
Address	HUNTSVILLE, AL 35801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 2, 2021
Property Address	418 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8850
Document Number	0032053424
Book / Page	3205 / 3424
Map Reference	MB 19 PG 10
Instrument Date	Jun 8, 2021
Instrument	20210033638
Transaction Type	Transfer
Record Updated	Jul 15, 2021
Title Company	ELIM TITLE LLC, RELI TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	821 COLDWATER CREEK CIR, 821, NICEVILLE, FL 32578-1653

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 ENDLESS SUMMER WAY W, INLET BEACH, FL 32461-6207

Mortgage

Document Number	32053425
Date	Jul 2, 2021
Instrument	3205/3425

Lender

Name	PROGRESS BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jul 1, 2024
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Margin	3
Max Rate	9.75%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	418 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8850
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031360310
Date	Mar 10, 2020
Book Page	3136/310
Instrument	20200008814

Lender

Name	CTC MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	PALM BEACH GARDENS, FL 33418

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

July 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 27, 2018
Property Address	418 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8850
Document Number	0030803014
Book / Page	3080 / 3014
Map Reference	MB19 PG10
Instrument Date	Jul 26, 2018
Instrument	2018000025181
Transaction Type	Transfer
Record Updated	Feb 6, 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	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8850

Mortgage

Document Number	0000000000
Date	Jul 27, 2018
Instrument	2018000025182

Lender

Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

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	$10,575.00 (-9.09%)	$823,273 (-14.07%) Land $125,000 Building $698,273	$823,273 (-14.07%) Land $125,000 Building $698,273
2024	$11,633.00 (-0.1%)
2023	$11,645.00 (+5.38%)	$958,075 (+9.47%) Land $120,472 Building $837,603	$958,075 (+9.47%) Land $120,472 Building $837,603
2022	$11,051.00	$875,226 Land $133,724 Building $741,502	$875,226 Land $133,724 Building $741,502

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.

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