433 Pin Oak Loop, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 433 Pin Oak Loop, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,737 sqft · built 2015
Lot Size	0.176 acres (7,667 sqft)
Owner	2 Individual Names on File
Last Sale	$306,000 (Jun 2019)
Tax Bill	$3,382 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`13-2S-21-42020-000-0422`

Property Details

APN / Parcel Number

Primary APN	`13-2S-21-42020-000-0422`
Alternative APN	`1018937`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,737 sqft Living Area
Gross Area	2,348 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2015
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,667 sqft (0.176 acres)
Lot Dimensions	12 ft deep x 6.4 ft wide
Garage Type	Finished
Garage Area	399 sqft
Porch	Porch
Porch Area	212 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1018937
Street Address	433 PIN OAK LOOP
City	SANTA ROSA BEACH
State	FL
Zip	32459-8060
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 422 DRIFTWOOD ESTATES PH IIC PB 17-47 OR 2842-3384 OR 2855-101 OR 2880-4219 OR 2963-4252 OR 2996-2726 OR 3107-2774
Legal Range	21W
Legal Township	02S
Legal Section	13
Legal Subdivision	DRIFTWOOD ESTATES PH IIC
Legal Phase	2C
Legal Lot Number	422
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1021
Census Tract	950607

Owner

433 Pin Oak Loop is owned and occupied by two individuals who bought it in June 2019.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	433 PIN OAK LOOP, SANTA ROSA BEACH, FL 32459-8060
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jun 5, 2019	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2019 · Amount on File
Deed Sale	Jun 5, 2019 · Amount on File
Prior Sale	Dec 3, 2015 · Amount on File
Deed Document Number	20190018305
Deed Book / Page	3107 / 2774
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	433 PIN OAK LOOP, SANTA ROSA BEACH, FL 32459-8060
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 PIN OAK LOOP, SANTA ROSA BEACH, FL 32459-8060

Mortgage

Document Number	0031931944
Date	Apr 19, 2021
Book Page	3193/1944
Instrument	20210018815

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

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

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 5, 2019
Property Address	433 PIN OAK LOOP, SANTA ROSA BEACH, FL 32459-8060
Document Number	0031072774
Book / Page	003107 / 002774
Instrument Date	May 31, 2019
Instrument	18305
Transaction Type	Transfer
Record Updated	Jun 21, 2019
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,142.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	433 PIN OAK LOOP SANTA ROSA BEACH FL 324598060, SANTA ROSA BEACH, FL 32459-8060

Mortgage

Document Number	31072776
Date	Jun 5, 2019
Book Page	003107/002776
Instrument	18306

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 4, 2039

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$380,448 Land $45,000 Building $335,448	$380,448 Land $45,000 Building $335,448
2024	$3,382.00 (+3.97%)
2023	$3,253.00 (+8.4%)	$394,497 (+10.77%) Land $44,754 Building $349,743	$394,497 (+10.77%) Land $44,754 Building $349,743
2022	$3,001.00	$356,145 Land $49,676 Building $306,469	$356,145 Land $49,676 Building $306,469

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

Flood

FEMA maps place 433 Pin Oak Loop in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 417 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	417 in force
Nearby Flood Claims	6 (2004–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 4 claims Hurricane Frances, Sep 2004 · 2 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

The area around 433 Pin Oak Loop has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	3 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 383 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Wildstar Networks.

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