51 Chance Ln, Inlet Beach, FL 32461 Property Records

Walton County property record for 51 Chance Ln, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,035 sqft · built 2004
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on File
Last Sale	$679,000 (Jul 2019)
Tax Bill	$8,477 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-3S-18-16100-000-0020`

Property Details

APN / Parcel Number

Primary APN	`21-3S-18-16100-000-0020`
Alternative APN	`1038380`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,035 sqft Living Area
Gross Area	2,529 sqft
Flooring	Steel Beam
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2010
Exterior Material	Stucco
Roof Type	Cathedral/Clerestory
Roof Material	Concrete Tile
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	8.9 ft deep x 6.5 ft wide
Garage Type	Finished
Garage Area	342 sqft
Porch	Porch
Porch Area	152 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1038380
Street Address	51 CHANCE LN
City	INLET BEACH
State	FL
Zip	32461-0702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 LANDING AT CAMP CREEK S/D PB 14 PG 64 OR 2310-783 OR 2417-1376 OR 2485-367 OR 2899-1148 OR 3112-576
Legal Range	18W
Legal Township	03S
Legal Section	21
Legal Subdivision	LANDING AT CAMP CREEK S/D
Legal Lot Number	2
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1042
Census Tract	950610

Owner

51 Chance Ln is owned by an individual who bought it in July 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1069 GRAND OAKS GLN NW, MARIETTA, GA 30064-5424
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 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 19, 2019	Warranty Deed, Transfer · Conventional Mortgage DELTA COMMUNITY CU
Mar 28, 2019	Deed of Trust, Mortgage · Line of Credit REGIONS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2019 · Amount on File
Deed Sale	Jul 19, 2019 · Amount on File
Prior Sale	Apr 15, 2019 · Amount on File
Deed Document Number	20190024279
Deed Book / Page	3112 / 0576
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	51 CHANCE LN, INLET BEACH, FL 32461-0702
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032232423
Date	Nov 2, 2021
Book Page	3223/2423
Instrument	20210054596

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 19, 2019
Property Address	51 CHANCE LN, INLET BEACH, FL 32461-0702
Document Number	0031120576
Book / Page	3112 / 0576
Map Reference	MB 14 PG 64
Instrument Date	Jul 12, 2019
Instrument	20190024279
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	BLUE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,753.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4947 EAST COUNTY HIGHWAY, 4947, SANTA ROSA BEACH, FL 32459

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1069 GRAND OAKS GLN NW, MARIETTA, GA 30064-5424

Mortgage

Document Number	0003112578
Date	Jul 19, 2019
Instrument	3112/578

Lender

Name	DELTA COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2034

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	51 CHANCE LN, INLET BEACH, FL 32461-0702
Document Number	0031022366
Instrument Date	Mar 28, 2019
Transaction Type	Mortgage
Record Updated	May 2, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	51 CHANCE LN WATERSOUND FL 324610702, WATERSOUND, FL 32461-0702

Mortgage

Document Number	0031022366
Date	Apr 15, 2019
Book Page	003102/002366
Instrument	11566

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 14, 2049

Interest

Rate Type	Adjustable Rate

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		$1,122,160 Land $300,000 Building $822,160	$1,122,160 Land $300,000 Building $822,160
2024	$8,477.00 (+11.86%)
2023	$7,578.00 (+7.54%)	$1,003,178 (+9.81%) Land $144,910 Building $858,268	$1,003,178 (+9.81%) Land $144,910 Building $858,268
2022	$7,047.00	$913,580 Land $160,850 Building $752,730	$913,580 Land $160,850 Building $752,730

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

Flood

FEMA maps place 51 Chance Ln 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 645 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,249 units insured incl. 604 condo units
Nearby Flood Claims	16 (2004–2023)
Claims Outside the SFHA	10 of 16
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 3 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 51 Chance Ln is moderate, ranking above 58% 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 58% of the US · lower than 68% 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.

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 111 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	1,000 / 50

May also be available: Wildstar Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Chance Ln

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