48 Smugglers Aly, Inlet Beach, FL 32461 Property Records

Walton County property record for 48 Smugglers Aly, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,218 sqft · built 2024
Lot Size	0.103 acres (4,530 sqft)
Owner	Trust Name on File
Last Sale	$5,237,600 (Feb 2024)
Tax Bill	$10,964 (2024)
Deeds & Mortgages	Feb 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-3S-18-16441-000-0160`

Property Details

APN / Parcel Number

Primary APN	`27-3S-18-16441-000-0160`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,218 sqft Living Area
Gross Area	5,957 sqft
Interior Walls	Paneling
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Exterior Material	Stucco
Roof Type	Cathedral/Clerestory
Roof Material	Concrete Tile
Lot Area	4,530 sqft (0.103 acres)
Lot Dimensions	10.2 ft deep x 4.5 ft wide
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	48 SMUGGLERS ALY
City	INLET BEACH
State	FL
Zip	32461-8302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 BLK CC ALYS BEACH BLK CC PB 22-40 OR 3315-3073
Legal Range	18W
Legal Township	03S
Legal Section	27
Legal Subdivision	ALYS BEACH
Legal Block	16,CC
Legal Lot Number	16
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1001
Census Tract	950611

Owner

48 Smugglers Aly is held in a trust since February 2024.

Source: Walton County records, as of December 17, 2025

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	4720 CLUB RD, LITTLE ROCK, AR 72207-2014
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2024 · Amount on File
Deed Sale	Feb 15, 2024 · Amount on File
Deed Document Number	20240005289
Deed Book / Page	3315 / 3073
Record Updated	Jun 8, 2026

February 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 15, 2024
Property Address	48 SMUGGLERS, INLET BEACH, FL 32461
Document Number	0033153073
Book / Page	3315 / 3073
Map Reference	MB 22 PG 40&41
Instrument Date	Feb 13, 2024
Instrument	20240005289
Transaction Type	Transfer
Record Updated	Mar 5, 2024
Title Company	ELIM TITLE LLC, RELI TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36,663.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 61-5500, ALYS BEACH, FL 32461

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4720 CLUB RD, LITTLE ROCK, AR 72207-2014

Mortgage

Document Number	0033153075
Date	Feb 15, 2024
Instrument	3315/3075

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Nov 1, 2034
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.3%
Max Rate	10.3%

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		$4,328,208 Land $868,870 Building $3,459,338	$4,328,208 Land $868,870 Building $3,459,338
2024	$10,964.00 (+3.79%)
2023	$10,564.00 (+10.14%)	$868,870 (+23.93%) Land $868,870	$868,870 (+23.93%) Land $868,870
2022	$9,591.00	$701,101 Land $701,101	$701,101 Land $701,101

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 48 Smugglers Aly in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2004.

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 File 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

Wildfire risk around 48 Smugglers Aly is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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.

Internet Providers

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

May also be available: Mediacom Xtream, REV, Wildstar Networks, WOW Internet, Cable & Phone.