45 Town Rd, Inlet Beach, FL 32461 Property Records

Walton County property record for 45 Town Rd, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,798 sqft · built 1999
Lot Size	0.066 acres (2,875 sqft)
Owner	Company Name on Record
Last Sale	$2,250,000 (Mar 2022)
Tax Bill	$17,092 (2024)
Deeds & Mortgages	Jun 2022 Line of Credit Mar 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35-3S-18-16064-030-0030`

Property Details

APN / Parcel Number

Primary APN	`35-3S-18-16064-030-0030`
Alternative APN	`1080267`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,798 sqft Living Area
Gross Area	2,398 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1999
Exterior Material	Other
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	2,875 sqft (0.066 acres)
Lot Dimensions	8 ft deep x 3.6 ft wide

Exterior Amenities

Porch	Porch
Porch Area	426 sqft
Deck Area	Deck Area
Patio Area	174 sqft
Fence	Fence
Arbor/Pergola	Arbor/Pergola

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1080267
Street Address	45 TOWN RD
City	INLET BEACH
State	FL
Zip	32461
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 30 ROSEMARY BEACH PH 6 PB 13-30 OR 1887-381 OR 2029-165 OR 2608-132 OR 2671-892 OR 3019-2652 OR 3244-4515
Legal Range	18W
Legal Township	03S
Legal Section	35
Legal Subdivision	ROSEMARY BEACH PH 6
Legal Phase	6
Legal Block	30
Legal Lot Number	3
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1111
Census Tract	950611

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	Company Name on Record
Mailing Address	575 ARCADIAN WAY, ORANGE, VA 22960-5095
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2022	Deed of Trust, Mortgage · Line of Credit CAPITAL CITY BANK
Mar 25, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 25, 2019	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2022 · Amount on Record
Deed Sale	Mar 25, 2022 · Amount on Record
Prior Sale	Jun 25, 2019 · Amount on Record
Deed Document Number	20220014182
Deed Book / Page	3244 / 4515
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	45 TOWN RD, INLET BEACH, FL 32461
Transaction Type	Mortgage
Record Updated	Jul 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 NURSERY LN 312, 312, FORT WORTH, TX 76114-4342

Mortgage

Document Number	0032581436
Date	Jun 30, 2022
Book Page	3258/1436
Instrument	20220030472

Lender

Name	CAPITAL CITY BANK
Type	Bank
Address	TALLAHASSEE, FL 32302

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 28, 2042

Interest

Rate Type	Adjustable Rate

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 25, 2022
Property Address	45 TOWN RD, INLET BEACH, FL 32461
Document Number	0032444515
Book / Page	3244 / 4515
Map Reference	MB 13 PG 30
Instrument Date	Mar 23, 2022
Instrument	20220014182
Transaction Type	Transfer
Record Updated	Apr 8, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$15,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	124 SAWBUCK DR, 124, WATERSOUND, FL 32461-7467

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 ARCADIAN WAY, ORANGE, VA 22960-5096

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 25, 2019
Property Address	45 TOWN RD, INLET BEACH, FL 32461
Document Number	0031092652
Book / Page	3109 / 2652
Map Reference	MB 13 PG 30
Instrument Date	Jun 19, 2019
Instrument	20190020945
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1612 PARK DR, 1612, COLUMBUS, GA 31906-3513

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1454 CANOOCHEE DR NE, BROOKHAVEN, GA 30319-3456

Mortgage

Document Number	0031092656
Date	Jun 25, 2019
Instrument	3109/2656

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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		$1,765,160 (-4.19%) Land $815,000 Building $950,160	$1,765,160 (-4.19%) Land $815,000 Building $950,160
2024	$17,092.00 (+2.1%)
2023	$16,741.00 (+35.49%)	$1,842,450 (+21.52%) Land $775,000 Building $1,067,450	$1,842,450 (+21.52%) Land $775,000 Building $1,067,450
2022	$12,356.00	$1,516,177 Land $568,576 Building $947,601	$1,516,177 Land $568,576 Building $947,601

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
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	Hurricane Sally, Sep 2020 · 2 claims Hurricane Frances, Sep 2004 · 2 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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within 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 429 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	2,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: REV, Verizon, Wildstar Networks, WOW Internet, Cable & Phone, Xfinity.

Nearby Streets

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