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

Walton County property record for 493 Ridge Rd, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,260 sqft · built 1999
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Apr 2011)
Tax Bill	$3,996 (2024)
Deeds & Mortgages	Jun 2020 Line of Credit Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-3S-20-34190-00C-0020`

Property Details

APN / Parcel Number

Primary APN	`03-3S-20-34190-00C-0020`
Alternative APN	`1005856`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,260 sqft Living Area
Gross Area	3,090 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2005
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Lot Dimensions	15 ft deep x 10 ft wide
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	284 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1005856
Street Address	493 RIDGE RD
City	SANTA ROSA BEACH
State	FL
Zip	32459-4240
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK C SANTA ROSA RIDGE UNIT II PB 4 PG 36 OR 1807-421 OR 2399-668 OR 2837-2738 OR 2863-1636
Legal Range	20W
Legal Township	03S
Legal Section	03
Legal Subdivision	SANTA ROSA RIDGE UNIT II
Legal Block	C
Legal Lot Number	2
Legal Unit	II
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1006
Census Tract	950604

Owner

493 Ridge Rd is owned and occupied by an individual who bought it in April 2011.

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

Owner of Record	Individual Name on File
Mailing Address	493 RIDGE RD, SANTA ROSA BEACH, FL 32459-4240
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
Jun 8, 2020	Deed of Trust, Mortgage · Line of Credit TRUSTBANK
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage RENASANT BANK
Aug 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jul 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2011 · Amount on File
Deed Sale	Apr 7, 2011 · Amount on File
Prior Sale	Mar 16, 2010
Deed Document Number	1152138
Deed Book / Page	2863 / 1636
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	493 RIDGE RD, SANTA ROSA BEACH, FL 32459-4240
Transaction Type	Mortgage
Record Updated	Jun 24, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031453122
Date	Jun 8, 2020
Book Page	3145/3122
Instrument	20200019431

Lender

Name	TRUSTBANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 7, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	493 RIDGE RD, SANTA ROSA BEACH, FL 32459-4240
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	493 RIDGE RD, SANTA ROSA BEACH, FL 32459-4240

Mortgage

Document Number	0031614539
Date	Sep 30, 2020
Book Page	3161/4539
Instrument	20200038372

Lender

Name	RENASANT BANK
Type	Bank
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	493 RIDGE RD, SANTA ROSA BEACH, FL 32459-4240
Document Number	0031162354
Instrument Date	Aug 26, 2019
Transaction Type	Mortgage
Record Updated	Sep 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	493 RIDGE RD SANTA ROSA BEACH FL 324594240, SANTA ROSA BEACH, FL 32459-4240

Mortgage

Document Number	0031162354
Date	Aug 30, 2019
Book Page	003116/002354
Instrument	29824

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 29, 2049

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	493 RIDGE RD, SANTA ROSA BEACH, FL 32459-4240
Document Number	0030471251
Book / Page	003047 / 001251
Instrument Date	Jul 11, 2017
Transaction Type	Mortgage
Record Updated	Aug 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	493 RIDGE RD SANTA ROSA BEACH FL 324594240, SANTA ROSA BEACH, FL 32459-4240

Mortgage

Document Number	0030471251
Date	Jul 19, 2017
Book Page	003047/001251
Instrument	23671

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 18, 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		$814,972 Land $450,000 Building $364,972	$814,972 Land $450,000 Building $364,972
2024	$3,996.00 (+3.82%)
2023	$3,849.00 (+1.24%) Homeowner's exemption	$838,697 (+5.08%) Land $226,600 Building $612,097	$838,697 (+5.08%) Land $226,600 Building $612,097
2022	$3,802.00 Homeowner's exemption	$798,146 Land $251,526 Building $546,620	$798,146 Land $251,526 Building $546,620

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

Flood

FEMA maps place 493 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 493 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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