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

Walton County property record for 426 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,088 sqft · built 2018
Lot Size	0.087 acres (3,773 sqft)
Owner	Individual Name on Record
Last Sale	$89,000 (Nov 2025)
Tax Bill	$10,255 (2025)
Deeds & Mortgages	Nov 2025 Sale May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-3S-19-25012-000-3460`

Property Details

APN / Parcel Number

Primary APN	`11-3S-19-25012-000-3460`
Alternative APNs	`11-319-25012-000-3460` `1015987`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,088 sqft Living Area
Gross Area	2,821 sqft
1st Floor Area	1,072 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	3,773 sqft (0.087 acres)
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	679 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	426 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 346 NATUREWALK AT SEAGROVE THIRD REPLAT PB 19-10 OR 3073-3604
Legal Range	019
Legal Township	03S
Legal Section	11
Legal Subdivision	SEAGROVE THIRD REPLAT
Legal Block	34
Legal Lot Number	346
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	Individual Name on Record
Mailing Address	426 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8850
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
May 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage RIVER CITY MORTGAGE LLC
May 15, 2018	Special Warranty Deed, Transfer · Conventional Mortgage CTC MORTGAGE COMPANY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2025 · Amount on Record
Deed Sale	Nov 12, 2025 · Amount on Record
Prior Sale	May 15, 2018 · Amount on Record
Deed Document Number	202541799
Deed Book / Page	3377 / 1809
Prior Transfer Date	Nov 7, 2025
Prior Transfer Doc	0033771809
Record Updated	Jun 8, 2026

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Nov 12, 2025
Property Address	426 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8850
Document Number	0033771809
Book / Page	3377 / 1809
Map Reference	MB 19 PG 10
Instrument Date	Jun 7, 2025
Instrument	20250041799
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$623.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	257 SAINTS JOHN RD, SANTA ROSA BEACH, FL 32459-2636

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8850

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	426 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	0031433537
Date	May 21, 2020
Book Page	3143/3537
Instrument	20200017358

Lender

Name	RIVER CITY MORTGAGE LLC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45242

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2030

May 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 15, 2018
Property Address	426 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8850
Document Number	0030733604
Book / Page	3073 / 3604
Map Reference	MB19 PG10
Instrument Date	May 14, 2018
Instrument	2018000015935
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	257 SAINT JOHNS GOLF DR, SAINT AUGUSTINE, FL 32092-1053

Mortgage

Document Number	2018000015936
Date	May 15, 2018
Instrument	2018000015936

Lender

Name	CTC MORTGAGE COMPANY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 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	$10,255.00 (-3.19%)	$787,858 (-13.95%) Land $125,000 Building $662,858	$787,858 (-13.95%) Land $125,000 Building $662,858
2024	$10,593.00 (+4.5%)
2023	$10,137.00 (+5.06%)	$915,591 (+9.23%) Land $120,472 Building $795,119	$915,591 (+9.23%) Land $120,472 Building $795,119
2022	$9,649.00	$838,193 Land $133,724 Building $704,469	$838,193 Land $133,724 Building $704,469

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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