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

Walton County property record for 421 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,580 sqft · built 2018
Lot Size	0.116 acres (5,053 sqft)
Owner	2 Company Names on Record
Last Sale	$693,500 (Aug 2018)
Tax Bill	$9,934 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-3S-19-25010-000-1860`

Property Details

APN / Parcel Number

Primary APN	`11-3S-19-25010-000-1860`
Alternative APNs	`11-319-25010-000-1860` `1015823`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,580 sqft Living Area
Gross Area	3,649 sqft
1st Floor Area	1,162 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	5,053 sqft (0.116 acres)
Lot Dimensions	95 ft deep x 45 ft wide
Garage Type	Attached
Garage Area	309 sqft
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	760 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	421 FLATWOODS FOREST LOOP
City	SANTA ROSA BEACH
State	FL
Zip	32459-8842
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TND
Legal Description	LOT 186 NATUREWALK AT SEAGROVE PB 17-34 REPLAT IN PB 18-8 OR 2844-4432 OR 3081-3639 OR 3330-3887
Legal Range	019
Legal Township	03S
Legal Section	11
Legal Subdivision	SEAGROVE
Legal Block	18
Legal Lot Number	186
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 3, 2025

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

Owner of Record	2 Company Names on Record
Mailing Address	421 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8842
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage CTC MORTGAGE COMPANY LLC
Aug 8, 2018	Special Warranty Deed, Transfer · Conventional Mortgage CTC MORTGAGE COMPANY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2018 · Amount on Record
Deed Sale	Aug 8, 2018 · Amount on Record
Deed Document Number	201826602
Deed Book / Page	3081 / 3639
Last Transfer Date	Jul 17, 2024
Transfer Doc	0033303887
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	421 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8842
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031400136
Date	Apr 17, 2020
Book Page	3140/136
Instrument	20200013371

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

August 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 8, 2018
Property Address	421 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8842
Document Number	0030813639
Book / Page	3081 / 3639
Map Reference	JMB18 PG8
Instrument Date	Aug 7, 2018
Instrument	2018000026602
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	K TITLE 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	421 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8842

Mortgage

Document Number	2018000026603
Date	Aug 8, 2018
Instrument	2018000026603

Lender

Name	CTC MORTGAGE COMPANY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2038

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	$9,934.00 (+1.12%)	$690,755 (-44.99%)	$1,094,327 (-12.86%) Land $280,000 Building $814,327
2024	$9,824.00 (+4.95%)
2023	$9,361.00 (+0.69%) Homeowner's exemption	$1,255,778 (+6.9%) Land $278,916 Building $976,862	$1,255,778 (+6.9%) Land $278,916 Building $976,862
2022	$9,297.00 Homeowner's exemption	$1,174,717 Land $309,596 Building $865,121	$1,174,717 Land $309,596 Building $865,121

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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