Walton County property record for 43 Lady Bug Ct, Inlet Beach, FL 32461
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 3,961 sqft · built 2008 |
| Lot Size | 0.126 acres (5,489 sqft) |
| Owner | Company Name on Record |
| Last Sale | $3,100,000 (May 2016) |
| Tax Bill | $42,011 (2023) |
| Deeds & Mortgages | Sep 2026 Mortgage Mar 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-3S-18-16400-00B-0010 |
| Primary APN | 26-3S-18-16400-00B-0010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 2 Stories |
| Building Area | 3,961 sqft Living Area |
| Gross Area | 5,071 sqft |
| Interior Walls | Custom/Decorative |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete Tile |
| Lot Area | 5,489 sqft (0.126 acres) |
| Lot Dimensions | 10 ft deep x 5.5 ft wide |
| Porch | Porch |
| Porch Area | 700 sqft |
| Patio Area | 356 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1053811 |
|---|---|
| Street Address | 43 LADY BUG CT |
| City | INLET BEACH |
| State | FL |
| Zip | 32461-8225 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 BLK B ALYS BEACH PH 1A PB 17-11 A REPLAT OF ALYS BEACH PH 1A PB 16-10 OR 2805-2632 OR 2880-3664 OR 2928-407 OR |
| Legal Range | 18W |
| Legal Township | 03S |
| Legal Section | 26 |
| Legal Subdivision | ALYS BEACH |
| Legal Phase | 1,1A |
| Legal Block | B |
| Legal Lot Number | 1 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1071 |
| Census Tract | 950611 |
Source: Walton County records, as of December 17, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 21 THERON ST, HOUSTON, TX 77022 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Sep 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage OCMBC INC |
| Mar 20, 2018 | Deed of Trust, Mortgage · ARM JPMORGAN CHASE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 11, 2016 · Amount on Record |
| Deed Sale | May 11, 2016 · Amount on Record |
| Prior Sale | Aug 13, 2013 · Amount on Record |
| Deed Document Number | 2016000014689 |
| Deed Book / Page | 3009 / 2226 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Sep 3, 2026 |
| Property Address | 43 LADY BUG CT, INLET BEACH, FL 32461-8225 |
| Document Number | 0000036577 |
| Book / Page | 3411 / 3252 |
| Instrument Date | Aug 28, 2026 |
| Instrument | 202636577 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 3237 INWOOD DR, HOUSTON, TX 77019-3227 |
| Document Number | 0000036577, |
|---|---|
| Date | Sep 3, 2026 |
| Book Page | 3411/3252 |
| Instrument | 202636577 |
| Name | OCMBC INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 43 LADY BUG CT, INLET BEACH, FL 32461-8225 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Title Company | RELI TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0030682479 |
|---|---|
| Date | Mar 20, 2018 |
| Book Page | 3068/2479 |
| Instrument | 2018000008994 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 339 Months |
| Due | Jun 1, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Jun 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.62% |
| Index | 1-Year LIBOR |
| Max Rate | 7.62% |
Source: Walton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,136,900 (+4.05%) Land $2,090,000 Building $3,046,900 | $5,136,900 (+4.05%) Land $2,090,000 Building $3,046,900 | |
| 2023 | $42,011.00 (+10.61%) | $4,937,156 (+17.18%) Land $2,090,000 Building $2,847,156 | $4,937,156 (+17.18%) Land $2,090,000 Building $2,847,156 |
| 2022 | $37,980.00 | $4,213,169 Land $818,131 Building $3,395,038 | $4,213,169 Land $818,131 Building $3,395,038 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 846 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1,737 units insured incl. 891 condo units |
| Nearby Flood Claims | 9 (2004–2020) |
| Claims Outside the SFHA | 4 of 9 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 177 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| WOW Internet, Cable & Phone Fiber | 1,000 / 50 |
May also be available: AT&T, Mediacom Xtream, T-Mobile, Verizon, Wildstar Networks.
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