421 Ridge Rd, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 421 Ridge Rd, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Vacant Land
Details	3 bd · 3 ba · 3,044 sqft · built 1987
Lot Size	0.836 acres (36,416 sqft)
Owner	2 Individual Names on File
Last Sale	$659,000 (Jan 2021)
Tax Bill	$4,675 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Jan 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-3S-20-34221-000-0020`

Property Details

APN / Parcel Number

Primary APN	`03-3S-20-34221-000-0020`
Alternative APNs	`03-320-34221-000-0020` `1005884`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,044 sqft Living Area
1st Floor Area	2,060 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1990
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	36,416 sqft (0.836 acres)
Lot Dimensions	232 ft deep x 157 ft wide
Pool Area	384 sqft
Porch	Florida Room
Porch Area	1,016 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	421 RIDGE RD
City	SANTA ROSA BEACH
State	FL
Zip	32459-4240
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	RP
Legal Description	LOT 3 & W1/2 OF LOT 2 SANTA ROSA RIDGE UNIT FOUR PB 5-21 OR 1073-168 OR 2999-1000 OR 3002-4127 OR 3093-2772 OR 3179-2043
Legal Range	020
Legal Township	03S
Legal Section	03
Legal Subdivision	SANTA ROSA RIDGE UNIT FOUR
Legal Lot Number	3,2
Legal Unit	FO
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1006
Census Tract	950604

Owner

421 Ridge Rd, vacant land, is owned by two individuals who bought it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	100 S SPOOKY LN, 5A, SANTA ROSA BEACH, FL 32459-4303
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 20, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 20, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 27, 2018	Warranty Deed, Transfer MAIN STREET LAND TITLE COMPANY, MAIN STREET LAND TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2021 · Amount on File
Deed Sale	Jan 20, 2021 · Amount on File
Prior Sale	Dec 27, 2018 · Amount on File
Deed Document Number	20212793
Deed Book / Page	3179 / 2043
Prior Transfer Date	Feb 23, 2016
Prior Transfer Doc	0030024127
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 20, 2021
Property Address	421 RIDGE RD, SANTA ROSA BEACH, FL 32459-4240
Document Number	0031792043
Book / Page	3179 / 2043
Map Reference	MB 5 PG 21
Instrument Date	Jan 14, 2021
Instrument	20210002793
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,613.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	308 W JAMES LEE BLVD, 308, CRESTVIEW, FL 32536-2636

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 RIDGE RD, SANTA ROSA BEACH, FL 32459-4240

Mortgage

Document Number	0031792045
Date	Jan 20, 2021
Instrument	3179/2045

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 20, 2021
Property Address	421 RIDGE RD, SANTA ROSA BEACH, FL 32459-4240
Document Number	0031792043
Book / Page	3179 / 2043
Map Reference	MB 5 PG 21
Instrument Date	Jan 14, 2021
Instrument	20210002793
Transaction Type	Transfer
Record Updated	Mar 9, 2021
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,613.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	308 W JAMES LEE BLVD, 308, CRESTVIEW, FL 32536-2636

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 RIDGE RD, SANTA ROSA BEACH, FL 32459-4240

Mortgage

Document Number	31792045
Date	Jan 20, 2021
Instrument	3179/2045

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 20, 2021
Property Address	421 RIDGE RD, SANTA ROSA BEACH, FL 32459-4240
Document Number	0031792043
Book / Page	3179 / 2043
Map Reference	MB 5 PG 21
Instrument Date	Jan 14, 2021
Instrument	20210002793
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,613.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	308 W JAMES LEE BLVD, CRESTVIEW, FL 32536-2636

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 RIDGE RD, SANTA ROSA BEACH, FL 32459-4240

Mortgage

Document Number	0031792045
Date	Jan 20, 2021
Instrument	3179/2045

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 27, 2018
Property Address	421 RIDGE RD, SANTA ROSA BEACH, FL 32459-4240
Document Number	0030932772
Book / Page	003093 / 002772
Instrument Date	Dec 21, 2018
Instrument	42695
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	MAIN STREET LAND TITLE COMPANY, MAIN STREET LAND TITLE CO

Transaction

Amount	Amount on Record
Tax	$2,191.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	308 W JAMES LEE BLVD CRESTVIEW FL 325362636, CRESTVIEW, FL 32536-2636
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 421 Ridge Rd was $4,675, up 128.5% from the year before.

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	$4,675.00 (+128.49%)	$517,500 Land $517,500	$517,500 Land $517,500
2024	$2,046.00 (-70.8%)
2023	$7,008.00 (+1.13%) Homeowner's exemption	$819,236 (+4.23%) Land $260,590 Building $558,646	$819,236 (+4.23%) Land $260,590 Building $558,646
2022	$6,930.00 Homeowner's exemption	$786,015 Land $289,255 Building $496,760	$786,015 Land $289,255 Building $496,760

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 421 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1995.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 294 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	579 units insured incl. 285 condo units
Nearby Flood Claims	11 (1995–2025)
Claims Outside the SFHA	3 of 11
Most Recent Claim	Jan 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 5 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

Wildfire risk around 421 Ridge Rd is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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 97 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

May also be available: AT&T, T-Mobile.

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