442 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 442 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,416 sqft · built 2018
Lot Size	0.098 acres (4,289 sqft)
Owner	Individual Name on File
Last Sale	$1,381,000 (Apr 2023)
Tax Bill	$3,137 (2024)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Jan 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-3S-19-25012-000-3430`

Property Details

APN / Parcel Number

Primary APN	`11-3S-19-25012-000-3430`
Alternative APN	`1015984`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,416 sqft Living Area
Gross Area	3,059 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2018
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,289 sqft (0.098 acres)
Garage Type	Finished
Garage Area	273 sqft
Porch	Porch
Porch Area	370 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1015984
Street Address	442 FLATWOODS FOREST LOOP
City	SANTA ROSA BEACH
State	FL
Zip	32459-8850
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 343 NATUREWALK AT SEAGROVE THIRD REPLAT PB 19-10 OR 3085-1944 OR 3287-2909
Legal Range	19W
Legal Township	03S
Legal Section	11
Legal Subdivision	NATUREWALK AT SEAGROVE THIRD
Legal Lot Number	343
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1028
Census Tract	950610

Owner

442 Flatwoods Forest Loop is owned and occupied by an individual who bought it in April 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	442 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8850
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Apr 26, 2023	Warranty Deed, Transfer · Conventional Mortgage BANKPLUS
Jan 5, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Sep 20, 2018	Special Warranty Deed, Transfer · ARM PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2023 · Amount on File
Deed Sale	Apr 26, 2023 · Amount on File
Prior Sale	Sep 20, 2018 · Amount on File
Deed Document Number	20230014358
Deed Book / Page	3287 / 2909
Record Updated	Jun 8, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 26, 2023
Property Address	442 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8850
Document Number	0032872909
Book / Page	3287 / 2909
Map Reference	MB 19 PG 10
Instrument Date	Apr 21, 2023
Instrument	20230014358
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,667.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 WINDING WOODS WAY, FREEHOLD, NJ 07728-9282

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	442 FIATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8850

Mortgage

Document Number	0032872911
Date	Apr 26, 2023
Book Page	3287/2911
Instrument	20230014359

Lender

Name	BANKPLUS
Type	Bank
Address	RIDGELAND, MS 39157

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	442 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8850
Transaction Type	Mortgage
Record Updated	Feb 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 WINDING WOODS WAY, FREEHOLD, NJ 07728-9282

Mortgage

Document Number	0032332241
Date	Jan 5, 2022
Book Page	3233/2241
Instrument	20220000528

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Dec 15, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	442 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8850
Transaction Type	Mortgage
Record Updated	Jul 28, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 WINDING WOODS WAY, FREEHOLD, NJ 07728-9282

Mortgage

Document Number	0032061498
Date	Jul 8, 2021
Book Page	3206/1498
Instrument	20210034283

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

September 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 20, 2018
Property Address	442 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8850
Document Number	0030851944
Book / Page	3085 / 1944
Map Reference	MB19 PG10
Instrument Date	Sep 12, 2018
Instrument	2018000031633
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	K TITLE CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 S OLIVE AVE # 104, 701, WEST PALM BEACH, FL 33401-6104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 WINDING WOODS WAY, FREEHOLD, NJ 07728-9282

Mortgage

Document Number	2018000031634
Date	Sep 20, 2018
Instrument	2018000031634

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Aug 1, 2025
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

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		$880,893 (-11.65%) Land $125,000 Building $755,893	$880,893 (-11.65%) Land $125,000 Building $755,893
2024	$3,137.00 (-71.42%) Homeowner's exemption	$997,086 (-2.94%) Land $120,472 Building $876,614	$997,086 (-2.94%) Land $120,472 Building $876,614
2023	$10,977.00 (+5.39%)	$1,027,259 (+9.66%) Land $120,472 Building $906,787	$1,027,259 (+9.66%) Land $120,472 Building $906,787
2022	$10,416.00	$936,754 Land $133,724 Building $803,030	$936,754 Land $133,724 Building $803,030

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

Flood

FEMA maps place 442 Flatwoods Forest Loop 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 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 File median of 645 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,249 units insured incl. 604 condo units
Nearby Flood Claims	16 (2004–2023)
Claims Outside the SFHA	10 of 16
Most Recent Claim	Aug 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 442 Flatwoods Forest Loop is moderate, ranking above 69% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.2% 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.

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 190 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 · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

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