468 E Mitchell Ave, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 468 E Mitchell Ave, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,438 sqft · built 2019
Lot Size	0.153 acres (6,683 sqft)
Owner	2 Individual Names on Record
Last Sale	$137,500 (Jun 2018)
Tax Bill	$4,978 (2024)
Deeds & Mortgages	Apr 2019 Construction Loan Feb 2020 Loan Modification + 1 more
Flood Zone	Zone AE (high risk)
APN	`28-2S-19-24500-029-0080`

Property Details

APN / Parcel Number

Primary APN	`28-2S-19-24500-029-0080`
Alternative APN	`1059571`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,438 sqft Living Area
Gross Area	3,093 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	6,683 sqft (0.153 acres)
Garage Type	Finished
Garage Area	252 sqft

Exterior Amenities

Porch	Porch
Porch Area	403 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1059571
Street Address	468 E MITCHELL AVE
City	SANTA ROSA BEACH
State	FL
Zip	32459-5618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 8,9 & 10 BLK 29 MAGNOLIA BEACH PB 2-1 OR 2864-3350 OR 3075-2353
Legal Range	19W
Legal Township	02S
Legal Section	28
Legal Subdivision	GRAYTON BAYOU UNRECD
Legal Block	29
Legal Lot Number	8-10 9
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	3
Census Block	3013
Census Tract	950605

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	2 Individual Names on Record
Mailing Address	468 E MITCHELL AVE, SANTA ROSA BEACH, FL 32459-5618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2019	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
Feb 13, 2020	Loan Modification, Mortgage CENTENNIAL BK
Jun 4, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2018 · Amount on Record
Deed Sale	Jun 4, 2018 · Amount on Record
Prior Sale	Apr 28, 2011 · Amount on Record
Deed Document Number	2018000018260
Deed Book / Page	3075 / 2353
Record Updated	Jun 8, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	468 E MITCHELL AVE, SANTA ROSA BEACH, FL 32459-5618
Transaction Type	Mortgage
Record Updated	Mar 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031020146
Date	Apr 10, 2019
Book Page	3102/0146
Instrument	20190010926

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2025
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7%
Index	1-Year CMT
Max Rate	11%

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	468 E MITCHELL AVE, SANTA ROSA BEACH, FL 32459-5618
Document Number	0031350412
Instrument Date	Feb 13, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	468 E MITCHELL AVE SANTA ROSA BEACH FL 324595618, SANTA ROSA BEACH, FL 32459-5618

Mortgage

Document Number	0031350412
Date	Mar 3, 2020
Book Page	003135/000412
Instrument	7668

Lender

Name	CENTENNIAL BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 4, 2018
Property Address	468 E MITCHELL AVE, SANTA ROSA BEACH, FL 32459-5618
Document Number	0030752353
Book / Page	003075 / 002353
Instrument Date	Jun 1, 2018
Instrument	18260
Transaction Type	Transfer
Record Updated	Jun 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$962.50
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	8611 S FITZGERALD WAY MISSOURI CITY TX 774592475, MISSOURI CITY, TX 77459-2475

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		$802,834 (-8.73%) Land $288,911 Building $513,923	$802,834 (-8.73%) Land $288,911 Building $513,923
2024	$4,978.00 (+3.77%)
2023	$4,797.00 (+8.82%) Homeowner's exemption	$879,589 (+35.71%) Land $288,911 Building $590,678	$879,589 (+35.71%) Land $288,911 Building $590,678
2022	$4,408.00 Homeowner's exemption	$648,142 Land $162,401 Building $485,741	$648,142 Land $162,401 Building $485,741

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 233 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	233 in force
Nearby Flood Claims	7 (2004–2020)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 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 67% of the US · above 45% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 124 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50

May also be available: Wildstar Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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