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428 Clareon Dr, Inlet Beach, FL 32461 Property Records

Walton County property record for 428 Clareon Dr, Inlet Beach, FL 32461

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,295 sqft · built 2005
Lot Size0.148 acres (6,447 sqft)
Owner2 Individual Names on File
Last Sale$48,000 (Oct 2000)
Tax Bill$4,165 (2024)
Deeds & MortgagesMay 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN28-3S-18-16075-00B-0140

Property Details

APN / Parcel Number

Primary APN28-3S-18-16075-00B-0140
Alternative APN
  • 1061305

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,295 sqft Living Area
Gross Area3,219 sqft
Interior WallsCustom/Decorative

Exterior

Year BuiltBuilt 2005
Exterior MaterialFiber Cement Siding
Roof TypeCathedral/Clerestory
Roof MaterialTin
Lot Area6,447 sqft (0.148 acres)
Lot Dimensions12.9 ft deep x 5 ft wide
Garage TypeFinished
Garage Area264 sqft
PorchPorch
Porch Area660 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number1061305
Street Address428 CLAREON DR
CityINLET BEACH
StateFL
Zip32461-7083
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 14 BLK B WHITES GULFVIEW EST 2ND ADD PB 14-10 OR 2291- 940
Legal Range18W
Legal Township03S
Legal Section28
Legal SubdivisionGULFVIEW
Legal BlockB
Legal Lot Number14
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group1
Census Block1042
Census Tract950610

Owner

428 Clareon Dr is owned and occupied by two individuals who bought it in October 2000.

Source: Walton County records, as of December 17, 2025

Owner of Record2 Individual Names on File
Mailing Address428 CLAREON DR, PANAMA CITY BEACH, FL 32461-7083
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 11, 2000 · Amount on File
Deed SaleOct 11, 2000 · Amount on File
Deed Document Number650045
Deed Book / Page2291 / 0940
Record UpdatedJun 8, 2026

May 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWALTON FL
Property Address428 CLAREON DR, INLET BEACH, FL 32461-7083
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyTITLE365

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0031060855
DateMay 22, 2019
Book Page3106/0855
Instrument20190016471
Lender
NameSUNTRUST BANK
TypeBank
AddressORLANDO, FL 32809
Agreement
TypeCommercial Mortgage
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,104,900 Land $399,500 Building $705,400$1,104,900 Land $399,500 Building $705,400
2024$4,165.00 (+3.84%)
2023$4,011.00 (+1.26%) Homeowner's exemption$1,283,781 (+35.99%) Land $399,500 Building $884,281$1,283,781 (+35.99%) Land $399,500 Building $884,281
2022$3,961.00 Homeowner's exemption$944,045 Land $374,070 Building $569,975$944,045 Land $374,070 Building $569,975

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

Flood

FEMA maps place 428 Clareon Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 645 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1,249 units insured
incl. 604 condo units
Nearby Flood Claims16 (2004–2023)
Claims Outside the SFHA10 of 16
Most Recent ClaimAug 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

Wildfire risk around 428 Clareon Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire RiskModerate
above 40% of the US · lower than 87% of Florida
Wildfire Likelihood0.06% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemREGIONAL UTILITIES WATER SYSTEM
private · serves 62,225 people · EPA ID FL1660596
Water SourceGroundwater
Last State InspectionJul 2024
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 125 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
LiveOak Fiber
Fiber		5,000 / 5,000
Mediacom Xtream
Cable		1,000 / 50

May also be available: AT&T, Wildstar Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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