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

Walton County property record for 451 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,728 sqft · built 2018
Lot Size	0.137 acres (6,011 sqft)
Owner	Company Name on Record
Tax Bill	$15,822 (2024)
Deeds & Mortgages	May 2023 Sale Mar 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`11-3S-19-25010-000-1890`

Property Details

APN / Parcel Number

Primary APN	`11-3S-19-25010-000-1890`
Alternative APN	`1015826`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,728 sqft Living Area
Gross Area	3,916 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2018
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	6,011 sqft (0.137 acres)
Lot Dimensions	9.5 ft deep x 7.8 ft wide
Garage Type	Mixed
Garage Area	200 sqft
Porch	Porch
Porch Area	848 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1015826
Street Address	451 FLATWOODS FOREST LOOP
City	SANTA ROSA BEACH
State	FL
Zip	32459-8842
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 189 NATUREWALK AT SEAGROVE PB 17-34 REPLAT IN PB 18-8 OR 2844-4432 OR 3064-4869 OR 3118-4833 OR 3284-138
Legal Range	19W
Legal Township	03S
Legal Section	11
Legal Subdivision	NATUREWALK AT SEAGROVE
Legal Lot Number	189
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1006
Census Tract	950610

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
Co-owner	Co-owner on Record
Mailing Address	4621 94TH ST, LUBBOCK, TX 79424-5015
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 2, 2023	Deed, Transfer
Mar 21, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST UNITED BANK & TRUST CO
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 7, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Sep 25, 2019	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS
Feb 8, 2018	Special Warranty Deed, Transfer · Conventional Mortgage CTC MORTGAGE COMPANY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2023
Deed Sale	May 2, 2023
Prior Sale	Mar 21, 2023 · Amount on Record
Deed Document Number	20230015315
Deed Book / Page	3288 / 1567
Record Updated	Jun 8, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WALTON FL
Recording Date	May 2, 2023
Property Address	451 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8842
Document Number	0032881567
Book / Page	3288 / 1567
Map Reference	MB 18 PG 8
Instrument Date	May 1, 2023
Instrument	20230015315
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8842

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 21, 2023
Property Address	451 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8842
Document Number	0032840138
Book / Page	3284 / 138
Map Reference	MB 18 PG 8
Instrument Date	Mar 20, 2023
Instrument	20230009664
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	371 W LAFAYETTE RD, INLET BEACH, FL 32461-8646

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4621 94TH ST, LUBBOCK, TX 79424-5015

Mortgage

Document Number	0003284140
Date	Mar 21, 2023
Instrument	3284/140

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank

Agreement

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

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	451 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8842
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031842396
Date	Feb 24, 2021
Book Page	3184/2396
Instrument	20210008624

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	451 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8842
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8842

Mortgage

Document Number	0032414726
Date	Mar 7, 2022
Book Page	3241/4726
Instrument	20220010656

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 25, 2019
Property Address	451 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8842
Document Number	0031184833
Book / Page	003118 / 004833
Instrument Date	Sep 19, 2019
Instrument	33239
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,635.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	206 WOODSTOCK PL VICKSBURG MS 391805755, VICKSBURG, MS 39180-5755

Mortgage

Document Number	31184835
Date	Sep 25, 2019
Book Page	003118/004835
Instrument	33240

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2049

February 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 8, 2018
Property Address	451 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8842
Document Number	0030644869
Book / Page	3064 / 4869
Map Reference	MB18 PG8
Instrument Date	Jan 30, 2018
Instrument	2018000004099
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	KTITLE 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 # 104, 701, WEST PALM BEACH, FL 33401-6104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8842

Mortgage

Document Number	2018000004100
Date	Feb 8, 2018
Instrument	2018000004100

Lender

Name	CTC MORTGAGE COMPANY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 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		$1,151,629 (-13.05%) Land $280,000 Building $871,629	$1,151,629 (-13.05%) Land $280,000 Building $871,629
2024	$15,822.00 (+2.25%)
2023	$15,474.00 (+19.09%) Homeowner's exemption	$1,324,469 (+7.22%) Land $278,916 Building $1,045,553	$1,324,469 (+7.22%) Land $278,916 Building $1,045,553
2022	$12,993.00	$1,235,275 Land $309,596 Building $925,679	$1,235,275 Land $309,596 Building $925,679

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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