488 Ridge Rd, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 488 Ridge Rd, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,411 sqft · built 2015
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on File
Last Sale	$993,285 (Jul 2021)
Tax Bill	$10,436 (2024)
Deeds & Mortgages	Nov 2022 Line of Credit Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-3S-20-34190-00B-0070`

Property Details

APN / Parcel Number

Primary APN	`03-3S-20-34190-00B-0070`
Alternative APN	`1005844`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,411 sqft Living Area
Gross Area	3,811 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2015
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Lot Dimensions	15 ft deep x 10 ft wide
Garage Type	Finished
Garage Area	612 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	448 sqft
Deck Area	Deck Area
Patio Area	313 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1005844
Street Address	488 RIDGE RD
City	SANTA ROSA BEACH
State	FL
Zip	32459-4236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 BLK B SANTA ROSA RIDGE UNIT II PB 4-36 OR 2947-4017 OR 3075-2898 OR 3206-3953
Legal Range	20W
Legal Township	03S
Legal Section	03
Legal Subdivision	SANTA ROSA RIDGE UNIT II
Legal Block	B
Legal Lot Number	7
Legal Unit	II
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1002
Census Tract	950604

Owner

488 Ridge Rd is owned and occupied by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	488 RIDGE RD, SANTA ROSA BEACH, FL 32459-4236
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Nov 28, 2022	Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK
Jul 12, 2021	Warranty Deed, Transfer · VA Mortgage KS STATEBANK
Jun 4, 2018	Grant Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2021 · Amount on File
Deed Sale	Jul 12, 2021 · Amount on File
Prior Sale	Jun 4, 2018 · Amount on File
Deed Document Number	0032063953
Deed Book / Page	3206 / 3953
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	488 RIDGE RD, SANTA ROSA BEACH, FL 32459-4236
Transaction Type	Mortgage
Record Updated	Dec 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 RIDGE RD, SANTA ROSA BEACH, FL 32459-4236

Mortgage

Document Number	0032734827
Date	Nov 28, 2022
Book Page	3273/4827
Instrument	20220051165

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	SANTA ROSA BEACH, FL 32459

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 12, 2021
Property Address	488 RIDGE RD, SANTA ROSA BEACH, FL 32459-4236
Document Number	0032063953
Book / Page	3206 / 3953
Map Reference	MB 4 PG 36
Instrument Date	Jul 12, 2021
Instrument	20210034909
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,965.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	488 RIDGE RD, 488, SANTA ROSA BEACH, FL 32459-4236

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 RIDGE RD, SANTA ROSA BEACH, FL 32459-4236

Mortgage

Document Number	32063955
Date	Jul 12, 2021
Instrument	3206/3955

Lender

Name	KS STATEBANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

June 2018: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	Jun 4, 2018
Property Address	488 RIDGE RD, SANTA ROSA BEACH, FL 32459-4236
Document Number	0030752898
Book / Page	003075 / 002898
Instrument Date	Jun 4, 2018
Instrument	18410
Transaction Type	Foreclosure
Record Updated	Jun 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$4,375.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 RIDGE RD SANTA ROSA BEACH FL 324594236, SANTA ROSA BEACH, FL 32459-4236

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		$1,052,264 Land $472,500 Building $579,764	$1,052,264 Land $472,500 Building $579,764
2024	$10,436.00 (+3.66%)
2023	$10,068.00 (+4.68%) Homeowner's exemption	$1,195,286 (+11.08%) Land $226,600 Building $968,686	$1,195,286 (+11.08%) Land $226,600 Building $968,686
2022	$9,618.00 Homeowner's exemption	$1,076,099 Land $251,526 Building $824,573	$1,076,099 Land $251,526 Building $824,573

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 488 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	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 5 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 488 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.

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 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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