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

Walton County property record for 536 Ridge Rd, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,847 sqft · built 2014
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Owner Names on File
Last Sale	$100,000 (Apr 2013)
Tax Bill	$4,386 (2024)
Deeds & Mortgages	May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-3S-20-34190-00B-0090`

Property Details

APN / Parcel Number

Primary APN	`03-3S-20-34190-00B-0090`
Alternative APN	`1005846`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,847 sqft Living Area
Gross Area	4,024 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
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	Finished
Garage Area	696 sqft
Porch	Porch
Porch Area	481 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1005846
Street Address	536 RIDGE RD
City	SANTA ROSA BEACH
State	FL
Zip	32459-4236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLK B SANTA ROSA RIDGE UNIT II PB 4-36 OR 1953-356 OR 2916-578
Legal Range	20W
Legal Township	03S
Legal Section	03
Legal Subdivision	SANTA ROSA RIDGE UNIT II
Legal Block	B
Legal Lot Number	9
Legal Unit	II
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1002
Census Tract	950604

Owner

The current owner of 536 Ridge Rd bought it in April 2013.

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

Owner of Record	2 Owner Names on File
Mailing Address	536 RIDGE RD, SANTA ROSA BEACH, FL 32459-4236
Occupancy	Owner Occupied

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2013 · Amount on File
Deed Sale	Apr 1, 2013 · Amount on File
Deed Document Number	1232240
Deed Book / Page	2916 / 0578
Record Updated	Jun 8, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	536 RIDGE RD, SANTA ROSA BEACH, FL 32459-4236
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031040661
Date	May 2, 2019
Book Page	3104/0661
Instrument	20190013793

Lender

Name	PROGRESS BANK & TRUST
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Line of Credit
Amount	Amount on Record

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		$1,069,832 Land $472,500 Building $597,332	$1,069,832 Land $472,500 Building $597,332
2024	$4,386.00 (+3.79%)
2023	$4,226.00 (+1.22%) Homeowner's exemption	$1,253,556 (+8.8%) Land $226,600 Building $1,026,956	$1,253,556 (+8.8%) Land $226,600 Building $1,026,956
2022	$4,175.00 Homeowner's exemption	$1,152,147 Land $251,526 Building $900,621	$1,152,147 Land $251,526 Building $900,621

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

Flood

FEMA maps place 536 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 536 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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