Walton County property record for 48 Initial Ln, Santa Rosa Beach, FL 32459
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,300 sqft · built 1986 |
| Lot Size | 0.303 acres (13,199 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $290,000 (Aug 2022) |
| Tax Bill | $1,431 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 24-2S-21-42273-000-0080 |
| Primary APN | 24-2S-21-42273-000-0080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,300 sqft Living Area |
| Gross Area | 1,980 sqft |
| 1st Floor Area | 1,300 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,199 sqft (0.303 acres) |
| Lot Dimensions | 165 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Enclosed/Finished Porch |
| Porch Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 48 INITIAL LN |
|---|---|
| City | SANTA ROSA BEACH |
| State | FL |
| Zip | 32459-3144 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RP |
| Legal Description | W 80FT OF N 165.3FT OF E 283FT OF LOT 23 SANTA ROSA PLANTATION AKA PARCEL 8 UNRECD S/D OF LOT 23 OR 1441-182 OR 2812-4578 OR 2866-1103 OR 3264-3571 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 24 |
| Legal Subdivision | SANTA ROSA PLANTATION |
| Legal Lot Number | 23 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 950604 |
Source: Walton County records, as of December 3, 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 | 15 BALD CYPRESS WAY, SANTA ROSA BEACH, FL 32459-8415 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2022 · Amount on Record |
| Deed Sale | Aug 26, 2022 · Amount on Record |
| Deed Document Number | 202238904 |
| Deed Book / Page | 3264 / 3571 |
| Prior Transfer Date | Apr 21, 2011 |
| Prior Transfer Doc | 0028661103 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Aug 26, 2022 |
| Property Address | 48 INITIAL LN, SANTA ROSA BEACH, FL 32459-3144 |
| Document Number | 0032643571 |
| Book / Page | 3264 / 3571 |
| Instrument Date | Aug 26, 2022 |
| Instrument | 20220038904 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2022 |
| Title Company | MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,030.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 153 DOVER LN, 153, DELAND, FL 32724-1501 |
| Name | Verified Name |
|---|---|
| Address | 15 BALD CYPRESS WAY, SANTA ROSA BEACH, FL 32459-8415 |
| Document Number | 0032643574 |
|---|---|
| Date | Aug 26, 2022 |
| Instrument | 3264/3574 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
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 | $1,431.00 (+2.36%) | $196,967 (+1.82%) | $233,853 (+20.89%) Land $95,000 Building $138,853 |
| 2024 | $1,398.00 (-0.78%) | ||
| 2023 | $1,409.00 (-17.02%) Homeowner's exemption | $193,441 (+5.54%) Land $50,538 Building $142,903 | $193,441 (+5.54%) Land $50,538 Building $142,903 |
| 2022 | $1,698.00 | $183,280 Land $56,097 Building $127,183 | $183,280 Land $56,097 Building $127,183 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 193 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 193 in force |
| Nearby Flood Claims | 3 (2020–2024) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2024 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 | SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 3 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 237 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: CenturyLink, Cox Communications, Wildstar Networks.
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