435 Dolphin Dr, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 435 Dolphin Dr, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,079 sqft · built 2022
Lot Size	0.064 acres (2,805 sqft)
Owner	Individual Name on Record
Last Sale	$780,400 (Nov 2022)
Tax Bill	$9,099 (2024)
Deeds & Mortgages	Mar 2023 Line of Credit Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-3S-20-34400-000-0400`

Property Details

APN / Parcel Number

Primary APN	`04-3S-20-34400-000-0400`
Alternative APN	`1008098`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,079 sqft Living Area
Gross Area	2,592 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2022
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	2,805 sqft (0.064 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1008098
Street Address	435 DOLPHIN DR
City	SANTA ROSA BEACH
State	FL
Zip	32459
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 40 SERENITY AT DUNE ALLEN PB 17-62 OR 2764-3146 OR 2845-3666 OR 2849-2280 OR 3192-1649 OR 3193-4615 OR 3271-4244
Legal Range	20W
Legal Township	03S
Legal Section	04
Legal Subdivision	SERENITY AT DUNE ALLEN
Legal Lot Number	40
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	3
Census Block	3011
Census Tract	950604

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2238 DOGWOOD OAKS DR, GERMANTOWN, TN 38139-5301
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2023	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Nov 2, 2022	Warranty Deed, Transfer · Conventional Mortgage COGENT BANK
Apr 21, 2021	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2022 · Amount on Record
Deed Sale	Nov 2, 2022 · Amount on Record
Prior Sale	Apr 21, 2021 · Amount on Record
Deed Document Number	20220048263
Deed Book / Page	3271 / 4244
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	435 DOLPHIN DR, SANTA ROSA BEACH, FL 32459-3605
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2238 DOGWOOD OAKS DR, GERMANTOWN, TN 38139-5301

Mortgage

Document Number	0032850125
Date	Mar 30, 2023
Book Page	3285/125
Instrument	20230010853

Lender

Name	COGENT BANK
Type	Bank
Address	MEMPHIS, TN 38134

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 28, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 2, 2022
Property Address	435 DOLPHIN DR, SANTA ROSA BEACH, FL 32459-3605
Document Number	0032714244
Book / Page	3271 / 4244
Map Reference	MB 17 PG 62
Instrument Date	Oct 28, 2022
Instrument	20220048263
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,462.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1469, SANTA ROSA BEACH, FL 32459-1469

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2238 DOGWOOD OAKS DR, GERMANTOWN, TN 38139-5301

Mortgage

Document Number	0032714246
Date	Nov 2, 2022
Instrument	3271/4246

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

April 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 21, 2021
Property Address	435 DOLPHIN DR, SANTA ROSA BEACH, FL 32459-3605
Document Number	0031934615
Book / Page	3193 / 4615
Map Reference	MB 17 PG 62
Instrument Date	Apr 15, 2021
Instrument	20210019429
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$23,793.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 CUTTERMILL RD STE 202, 202, GREAT NECK, NY 11021-3201

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1469, SANTA ROSA BEACH, FL 32459-1469

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		$913,780 (-8.27%) Land $205,000 Building $708,780	$913,780 (-8.27%) Land $205,000 Building $708,780
2024	$9,099.00 (+0.53%)
2023	$9,051.00 (+337.67%)	$996,140 (+346.26%) Land $201,099 Building $795,041	$996,140 (+346.26%) Land $201,099 Building $795,041
2022	$2,068.00	$223,220 Land $223,220	$223,220 Land $223,220

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 223 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	235 units insured incl. 12 condo units
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2020 · Hurricane Sally

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 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond 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	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 287 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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