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

Walton County property record for 448 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,120 sqft · built 2018
Lot Size	0.097 acres (4,266 sqft)
Owner	Individual Name on Record
Last Sale	$1,320,000 (Jun 2023)
Tax Bill	$11,262 (2024)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-3S-19-25012-000-3420`

Property Details

APN / Parcel Number

Primary APN	`11-3S-19-25012-000-3420`
Alternative APN	`1015983`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,120 sqft Living Area
Gross Area	2,844 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2018
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,266 sqft (0.097 acres)
Porch	Porch
Porch Area	670 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1015983
Street Address	448 FLATWOODS FOREST LOOP
City	SANTA ROSA BEACH
State	FL
Zip	32459-8850
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 342 NATUREWALK AT SEAGROVE THIRD REPLAT PB 19-10 OR 3071-1111 OR 3293-4566
Legal Range	19W
Legal Township	03S
Legal Section	11
Legal Subdivision	NATUREWALK AT SEAGROVE THIRD
Legal Lot Number	342
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1028
Census Tract	950610

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	6615 WATERFRONT DR, TUSCALOOSA, AL 35406-3268
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2023	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage CTC MORTGAGE COMPANY LLC
Apr 18, 2018	Special Warranty Deed, Transfer · Conventional Mortgage CTC MORTGAGE COMPANY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2023 · Amount on Record
Deed Sale	Jun 28, 2023 · Amount on Record
Prior Sale	Apr 18, 2018 · Amount on Record
Deed Document Number	20230022882
Deed Book / Page	3293 / 4566
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 28, 2023
Property Address	448 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8850
Document Number	0032934566
Book / Page	3293 / 4566
Map Reference	MB 19 PG 10
Instrument Date	Jun 26, 2023
Instrument	20230022882
Transaction Type	Transfer
Record Updated	Jul 13, 2023
Title Company	SOUTHERN OAKS TITLE LLC, SOUTHERN COAST TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	888 PATHWAYS DR, WATERSOUND, FL 32461-7463

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6615 WATERFRONT DR, TUSCALOOSA, AL 35406-3268

Mortgage

Document Number	0032934573
Date	Jun 28, 2023
Instrument	3293/4573

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	448 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8850
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031364197
Date	Mar 17, 2020
Book Page	3136/4197
Instrument	20200009754

Lender

Name	CTC MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	PALM BEACH GARDENS, FL 33418

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

April 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 18, 2018
Property Address	448 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8850
Document Number	0030711111
Book / Page	3071 / 1111
Map Reference	MB19 PGS 10
Instrument Date	Apr 11, 2018
Instrument	2018000012661
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	K TITLE CO LLC

Transaction

Amount	Amount Recorded
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, 701, WEST PALM BEACH, FL 33401-6104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1801 E BLOUNT ST, PENSACOLA, FL 32503-6123

Mortgage

Document Number	2018000012662
Date	Apr 18, 2018
Instrument	2018000012662

Lender

Name	CTC MORTGAGE COMPANY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

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		$788,260 (-13.95%) Land $125,000 Building $663,260	$788,260 (-13.95%) Land $125,000 Building $663,260
2024	$11,262.00 (+22.27%)
2023	$9,211.00 (+0.78%) Homeowner's exemption	$916,038 (+9.27%) Land $120,472 Building $795,566	$916,038 (+9.27%) Land $120,472 Building $795,566
2022	$9,140.00 Homeowner's exemption	$838,313 Land $133,724 Building $704,589	$838,313 Land $133,724 Building $704,589

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

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 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

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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