Walton County property record for 440 E Water St, Inlet Beach, FL 32461
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,796 sqft · built 2005 |
| Lot Size | 0.117 acres (5,097 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $3,250,000 (Jul 2020) |
| Tax Bill | $33,624 (2024) |
| Deeds & Mortgages | Jun 2021 Line of Credit Jul 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-3S-18-16060-020-0050 |
| Primary APN | 35-3S-18-16060-020-0050 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 3 Stories |
| Building Area | 2,796 sqft Living Area |
| Gross Area | 4,448 sqft |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 5,097 sqft (0.117 acres) |
| Lot Dimensions | 8.5 ft deep x 6 ft wide |
| Garage Type | Carport |
| Garage Area | 484 sqft |
| Carport | Carport |
| Porch | Porch |
|---|---|
| Porch Area | 1,776 sqft |
| Deck Area | 192 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1080218 |
|---|---|
| Street Address | 440 E WATER ST |
| City | INLET BEACH |
| State | FL |
| Zip | 32461 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 BLK 20 ROSEMARY BEACH PH 3 PB 13-2 IN OR 1690-62. OR 1864-224 OR 3150-4883 OR 3203-291 OR 3203-291 |
| Legal Range | 18W |
| Legal Township | 03S |
| Legal Section | 35 |
| Legal Subdivision | ROSEMARY BEACH PH 1 |
| Legal Phase | 3 |
| Legal Block | 20 |
| Legal Lot Number | 5 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1007 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 1249, SAN MARCOS, TX 78667-1249 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2021 | Deed of Trust, Mortgage · Line of Credit ENCORE BANK NA |
| Jul 20, 2020 | Warranty Deed, Transfer SHORELINE TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2020 · Amount on Record |
| Deed Sale | Jul 20, 2020 · Amount on Record |
| Deed Document Number | 20200025788 |
| Deed Book / Page | 3150 / 4883 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 440 E WATER ST, INLET BEACH, FL 32461 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Title Company | CORRIDOR TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 5900 BALCONES DR 100, 100, AUSTIN, TX 78731-4298 |
| Document Number | 0032043840 |
|---|---|
| Date | Jun 29, 2021 |
| Book Page | 3204/3840 |
| Instrument | 20210032584 |
| Name | ENCORE BANK NA |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78215 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Jun 22, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jul 20, 2020 |
| Property Address | 440 E WATER ST, INLET BEACH, FL 32461 |
| Document Number | 0031504883 |
| Book / Page | 003150 / 004883 |
| Instrument Date | Jul 9, 2020 |
| Instrument | 25788 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2020 |
| Title Company | SHORELINE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $22,750.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1000 SAHALEE PATH SAN MARCOS TX 786667815, SAN MARCOS, TX 78666-7815 |
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 | $4,166,937 (+6.03%) Land $1,501,500 Building $2,665,437 | $4,166,937 (+6.03%) Land $1,501,500 Building $2,665,437 | |
| 2024 | $33,624.00 (+8.33%) | ||
| 2023 | $31,038.00 (+9.07%) | $3,929,798 (+12.6%) Land $1,176,500 Building $2,753,298 | $3,929,798 (+12.6%) Land $1,176,500 Building $2,753,298 |
| 2022 | $28,458.00 | $3,490,090 Land $1,047,304 Building $2,442,786 | $3,490,090 Land $1,047,304 Building $2,442,786 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| 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 | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 100 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Mediacom Xtream Fiber · Cable | 2,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: WOW Internet, Cable & Phone.
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