Walton County property record for 478 Ridge Rd, Santa Rosa Beach, FL 32459
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,154 sqft · built 2016 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | Trust Name on File |
| Last Sale | $575,300 (Mar 2019) |
| Tax Bill | $3,570 (2025) |
| Deeds & Mortgages | Mar 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-3S-20-34190-00B-0060 |
| Primary APN | 03-3S-20-34190-00B-0060 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,154 sqft Living Area |
| Gross Area | 3,088 sqft |
| 1st Floor Area | 2,154 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,985 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 454 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 478 RIDGE RD |
|---|---|
| City | SANTA ROSA BEACH |
| State | FL |
| Zip | 32459-4236 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RP |
| Legal Description | LOT 6 BLK B SANTA ROSA RIDGE UNIT II PB 4-36 OR 685-193 OR 1755-294 OR 2979-1966 OR 3099-2539 |
| Legal Range | 020 |
| Legal Township | 03S |
| Legal Section | 03 |
| Legal Subdivision | SANTA ROSA RIDGE UNIT II |
| Legal Block | B |
| Legal Lot Number | 6 |
| Legal Unit | II |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 950604 |
478 Ridge Rd is owner-occupied and held in a trust since March 2019.
Source: Walton County records, as of December 3, 2025
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | PO BOX 1980, SANTA RSA BCH, FL 32459-1980 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | 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 | Name on Deed |
|---|---|
| Last Sale | Mar 14, 2019 · Amount on File |
| Deed Sale | Mar 14, 2019 · Amount on File |
| Prior Sale | Jun 1, 2016 · Amount on File |
| Deed Document Number | 20197543 |
| Deed Book / Page | 3099 / 2539 |
| Prior Transfer Date | Jun 29, 2016 |
| Prior Transfer Doc | 0030142986 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 14, 2019 |
| Property Address | 478 RIDGE RD, SANTA ROSA BEACH, FL 32459-4236 |
| Document Number | 0030992539 |
| Book / Page | 003099 / 002539 |
| Instrument Date | Mar 13, 2019 |
| Instrument | 7543 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2019 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $4,027.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | PO BOX 1980 SANTA ROSA BEACH FL 324591980, SANTA ROSA BEACH, FL 32459-1980 |
The 2025 property tax bill for 478 Ridge Rd was $3,570 with a homeowner's exemption, up 2% 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 | $3,570.00 (+2%) Homeowner's exemption | $433,702 | $979,019 Land $472,500 Building $506,519 |
| 2024 | $3,500.00 (+3.86%) | ||
| 2023 | $3,370.00 (+1.26%) Homeowner's exemption | $1,085,655 (+7.82%) Land $226,600 Building $859,055 | $1,085,655 (+7.82%) Land $226,600 Building $859,055 |
| 2022 | $3,328.00 Homeowner's exemption | $1,006,888 Land $251,526 Building $755,362 | $1,006,888 Land $251,526 Building $755,362 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 478 Ridge Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 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 478 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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