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

Walton County property record for 527 Ridge Rd, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1976
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Feb 2016)
Tax Bill	$2,493 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-3S-20-34190-00C-0030`

Property Details

APN / Parcel Number

Primary APN	`03-3S-20-34190-00C-0030`
Alternative APNs	`03-320-34190-00C-0030` `1005857`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,680 sqft Living Area
Gross Area	2,636 sqft
1st Floor Area	1,680 sqft
Flooring	Carpet
Interior Walls	Plywood

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1986
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	14,985 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	672 sqft
Driveway	Brick Driveway

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	256 sqft
Deck Area	Deck Area
Patio Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	527 RIDGE RD
City	SANTA ROSA BEACH
State	FL
Zip	32459-4240
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK C SANTA ROSA RIDGE UNIT 11 PB 4-36 OR 84-207 OR 2746-4343 OR 3003-929
Legal Range	020
Legal Township	03S
Legal Section	03
Legal Subdivision	SANTA ROSA RIDGE UNIT 11
Legal Block	C
Legal Lot Number	3
Legal Unit	11
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1006
Census Tract	950604

Owner

527 Ridge Rd is owned and occupied by two individuals who bought it in February 2016.

Source: Walton County records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	527 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
Aug 24, 2022	Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Oct 19, 2017	Deed of Trust, Mortgage CASHCALL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 29, 2016 · Amount on File
Deed Sale	Feb 29, 2016 · Amount on File
Deed Document Number	20166261
Deed Book / Page	3003 / 929
Prior Transfer Date	Dec 7, 2006
Prior Transfer Doc	0027464343
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	527 RIDGE RD, SANTA ROSA BEACH, FL 32459-4240
Transaction Type	Mortgage
Record Updated	Sep 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032641768
Date	Aug 24, 2022
Book Page	3264/1768
Instrument	20220038399

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	BETHPAGE, NY 11714

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 28, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	527 RIDGE RD, SANTA ROSA BEACH, FL 32459-4240
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031510131
Date	Jul 20, 2020
Book Page	3151/131
Instrument	20200025828

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	527 RIDGE RD, SANTA ROSA BEACH, FL 32459-4240
Document Number	0030561316
Book / Page	003056 / 001316
Instrument Date	Oct 19, 2017
Transaction Type	Mortgage
Record Updated	Nov 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	527 RIDGE RD SANTA ROSA BEACH FL 324594240, SANTA ROSA BEACH, FL 32459-4240

Mortgage

Document Number	0030561316
Date	Nov 1, 2017
Book Page	003056/001316
Instrument	36015

Lender

Name	CASHCALL
Type	Funding / Finance Company
Address	ORANGE, CA 92868

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 31, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 527 Ridge Rd was $2,493 with a homeowner's exemption, up 2% from the year before.

Source: Walton County assessment roll, as of December 3, 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	$2,493.00 (+2.05%) Homeowner's exemption	$314,599	$659,298 Land $450,000 Building $209,298
2024	$2,443.00 (+4.22%)
2023	$2,344.00 (+1.38%) Homeowner's exemption	$587,597 (+2.59%) Land $226,600 Building $360,997	$587,597 (+2.59%) Land $226,600 Building $360,997
2022	$2,312.00 Homeowner's exemption	$572,767 Land $251,526 Building $321,241	$572,767 Land $251,526 Building $321,241

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

Flood

FEMA maps place 527 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 527 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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