Walton County property record for 449 Ridge Rd, Santa Rosa Beach, FL 32459
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 4 ba · 3,277 sqft · built 2004 |
| Lot Size | 0.553 acres (24,089 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $505,000 (Nov 2014) |
| Tax Bill | $4,601 (2025) |
| Deeds & Mortgages | Mar 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-3S-20-34221-000-0040 |
| Primary APN | 03-3S-20-34221-000-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 3,277 sqft Living Area |
| Gross Area | 4,929 sqft |
| 1st Floor Area | 3,277 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 24,089 sqft (0.553 acres) |
| Lot Dimensions | 232 ft deep x 104 ft wide |
| Garage Type | Attached |
| Garage Area | 812 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 840 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 449 RIDGE RD |
|---|---|
| City | SANTA ROSA BEACH |
| State | FL |
| Zip | 32459-4240 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 SANTA ROSA RIDGE UNIT 4 PB 5-21 OR 791-01 OR 2771-2490 OR 2786-2889 OR 2965-1691 OR 3068-729 |
| Legal Range | 020 |
| Legal Township | 03S |
| Legal Section | 03 |
| Legal Subdivision | SANTA ROSA RIDGE UNIT 4 |
| Legal Lot Number | 4 |
| Legal Unit | 4 P |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 950604 |
449 Ridge Rd is owner-occupied and held in a trust since March 2018.
Source: Walton County records, as of December 3, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 449 RIDGE RD, SANTA ROSA BEACH, FL 32459-4240 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 26, 2014 · Amount on File |
| Deed Sale | Nov 26, 2014 · Amount on File |
| Prior Sale | Mar 3, 2008 · Amount on File |
| Deed Document Number | 20141303580 |
| Deed Book / Page | 2965 / 1691 |
| Last Transfer Date | Mar 6, 2018 |
| Transfer Doc | 0030680729 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 16, 2018 |
| Property Address | 449 RIDGE RD, SANTA ROSA BEACH, FL 32459-4240 |
| Document Number | 0030680729 |
| Book / Page | 003068 / 000729 |
| Instrument Date | Mar 6, 2018 |
| Instrument | 8535 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 449 RIDGE RD SANTA ROSA BEACH FL 324594240, SANTA ROSA BEACH, FL 32459-4240 |
The 2025 property tax bill for 449 Ridge Rd was $4,601 with a homeowner's exemption, up 1.9% from the year before.
Source: Walton County assessment roll, as of December 3, 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 | $4,601.00 (+1.95%) Homeowner's exemption | $547,808 | $1,330,052 Land $495,000 Building $835,052 |
| 2024 | $4,513.00 (+3.79%) | ||
| 2023 | $4,348.00 (+1.21%) Homeowner's exemption | $1,228,135 (+6.9%) Land $249,260 Building $978,875 | $1,228,135 (+6.9%) Land $249,260 Building $978,875 |
| 2022 | $4,296.00 Homeowner's exemption | $1,148,829 Land $276,679 Building $872,150 | $1,148,829 Land $276,679 Building $872,150 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 449 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1995.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 294 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 579 units insured incl. 285 condo units |
| Nearby Flood Claims | 11 (1995–2025) |
| Claims Outside the SFHA | 3 of 11 |
| Most Recent Claim | Jan 2025 · rainfall accumulation |
| 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.
Wildfire risk around 449 Ridge Rd is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
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 97 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 |
May also be available: AT&T, T-Mobile.
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