48 Surfer Ln, Inlet Beach, FL 32461 Property Records

Walton County property record for 48 Surfer Ln, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,736 sqft · built 2005
Lot Size	0.082 acres (3,572 sqft)
Owner	Company Name on Record
Last Sale	$2,175,000 (Sep 2022)
Tax Bill	$15,225 (2024)
Deeds & Mortgages	Sep 2022 Sale & Line of Credit May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-3S-18-16034-00N-0110`

Property Details

APN / Parcel Number

Primary APN	`26-3S-18-16034-00N-0110`
Alternative APN	`1053581`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	2,736 sqft Living Area
Gross Area	3,868 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2013
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	3,572 sqft (0.082 acres)
Lot Dimensions	9 ft deep x 4 ft wide
Garage Type	Finished
Garage Area	484 sqft
Porch	Porch
Porch Area	648 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1053581
Street Address	48 SURFER LN
City	INLET BEACH
State	FL
Zip	32461-6218
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLK N SEACREST BEACH PH 6 S/D PB 15-40 OR 2509-97 OR 2525-1234 OR 3041-3177 OR 3127-536 OR 3268-2230
Legal Range	18W
Legal Township	03S
Legal Section	26
Legal Subdivision	SEACREST BEACH PH 6
Legal Phase	6
Legal Block	N
Legal Lot Number	11
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1074
Census Tract	950611

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	39073 HURON PKWY, WESTLAND, MI 48185-3820
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2022	Warranty Deed, Transfer · Line of Credit CENTENNIAL BANK
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 12, 2019	Warranty Deed, Transfer · Conventional Mortgage FLORIDA HOMETOWN T&E LLC
May 17, 2017	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2022 · Amount on Record
Deed Sale	Sep 30, 2022 · Amount on Record
Prior Sale	Dec 12, 2019 · Amount on Record
Deed Document Number	20220043623
Deed Book / Page	3268 / 2230
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 30, 2022
Property Address	48 SURFER LN, INLET BEACH, FL 32461-6218
Document Number	0032682230
Book / Page	3268 / 2230
Map Reference	MB 15 PG 40&40A
Instrument Date	Sep 26, 2022
Instrument	20220043623
Transaction Type	Transfer
Record Updated	Oct 14, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 VILLAGE MAIN, 109, ANDERSON, SC 29621-2584

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39073 HURON PKWY, WESTLAND, MI 48185-3820

Mortgage

Document Number	0032682234
Date	Sep 30, 2022
Instrument	3268/2234

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 26, 2032

Interest

Rate Type	Adjustable Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	48 SURFER LN, INLET BEACH, FL 32461-6218
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 SURFER LN, INLET BEACH, FL 32461-6218

Mortgage

Document Number	0031970848
Date	May 11, 2021
Book Page	3197/848
Instrument	20210023359

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

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

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 12, 2019
Property Address	48 SURFER LN, INLET BEACH, FL 32461-6218
Document Number	0031270536
Book / Page	3127 / 0536
Map Reference	MB 15 PG 40&40A
Instrument Date	Dec 6, 2019
Instrument	20190043520
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	FLORIDA HOMETOWN T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,791.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1073 KEIM CT, 1073, GENEVA, IL 60134-7515

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1180 EMBASSY DR, ANDERSON, SC 29625-6118

Mortgage

Document Number	0000000000
Date	Dec 12, 2019
Instrument	3127-0538

Lender

Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 17, 2017
Property Address	48 SURFER LN, INLET BEACH, FL 32461-6218
Document Number	0030413177
Book / Page	3041 / 3177
Map Reference	MB15 PG40&40A
Instrument Date	May 15, 2017
Instrument	20170016134
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

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	247 MADDOX ST, 247, SANTA ROSA BEACH, FL 32459-6145

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1973 KEIM CT, GENEVA, IL 60134

Mortgage

Document Number	0030413181
Date	May 17, 2017
Book Page	3041/3181
Instrument	20170016136

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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		$1,641,420 (-4.67%) Land $430,000 Building $1,211,420	$1,641,420 (-4.67%) Land $430,000 Building $1,211,420
2024	$15,225.00 (-2.68%)
2023	$15,645.00 (+36.01%)	$1,721,900 (+11.82%) Land $485,000 Building $1,236,900	$1,721,900 (+11.82%) Land $485,000 Building $1,236,900
2022	$11,503.00	$1,539,931 Land $445,110 Building $1,094,821	$1,539,931 Land $445,110 Building $1,094,821

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 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

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach

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

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Mediacom Xtream Fiber · Cable in parts of the area	2,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, REV, Verizon.

Nearby Properties on Surfer Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures