54 Triggerfish St, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 54 Triggerfish St, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,024 sqft · built 2023
Lot Size	0.074 acres (3,210 sqft)
Owner	2 Individual Names on File
Last Sale	$912,500 (Aug 2026)
Tax Bill	$7,568 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jun 2022 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-3S-20-34030-00B-0080`

Property Details

APN / Parcel Number

Primary APN	`12-3S-20-34030-00B-0080`
Alternative APN	`12-320-34030-00B-0080`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,024 sqft Living Area
Gross Area	2,130 sqft
Flooring	Tile

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	3,210 sqft (0.074 acres)
Lot Dimensions	73 ft deep x 44 ft wide
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	54 TRIGGERFISH ST
City	SANTA ROSA BEACH
State	FL
Zip	32459
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLK B BLUE GULF RESORT UNIT 1 PB 3-69 OR 1602-167 OR 3229-4581 OR 3309-2507
Legal Subdivision	BLUE GULF RESORT UNIT 1
Legal Block	B
Legal Lot Number	8
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1060
Census Tract	950606

Owner

54 Triggerfish St is owned by two individuals who bought it in August 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	2340 W DEARBORN ST, SPRINGFIELD, MO 65807-8670
Owner Type	Individual
Vesting	Married Man, Separate Property

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 18, 2026	Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Jun 8, 2022	Deed of Trust, Mortgage · Construction Mortgage SOUTH STATE BANK NA
Dec 4, 2023	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2026 · Amount on File
Deed Sale	Aug 18, 2026 · Amount on File
Prior Sale	Dec 4, 2023 · Amount on File
Deed Document Number	202634132
Deed Book / Page	3409 / 3590
Prior Transfer Date	Nov 28, 2023
Prior Transfer Doc	0033092507
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 18, 2026
Property Address	54 TRIGGERFISH ST, SANTA ROSA BEACH, FL 32459
Document Number	0000034132
Book / Page	3409 / 3590
Instrument Date	Aug 17, 2026
Instrument	202634132
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	SHORELINE TITLE LLC, SHORELINE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$645,137.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2340 W DEARBORN ST, SPRINGFIELD, MO 65807-8670

Mortgage

Document Number	0000034133,
Date	Aug 18, 2026
Instrument	202634133

Lender

Name	CHANGE LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	54 TRIGGERFISH ST, SANTA ROSA BEACH, FL 32459-4518
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 E SURFSIDE DR, SANTA ROSA BEACH, FL 32459-4548

Mortgage

Document Number	0032552588
Date	Jun 8, 2022
Book Page	3255/2588
Instrument	20220026952

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	PENSACOLA, FL 32503

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 4, 2023
Property Address	54 TRIGGERFISH ST, SANTA ROSA BEACH, FL 32459-4518
Document Number	0033092507
Book / Page	3309 / 2507
Map Reference	MB 3 PG 69
Instrument Date	Nov 28, 2023
Instrument	20230043293
Transaction Type	Transfer
Record Updated	Jan 1, 2024
Title Company	FIRST NATIONAL LAND TRANSFER, FIRST NATL LAND TRANSFER INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,720.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	34 E SURFSIDE DR, SANTA ROSA BEACH, FL 32459-4548

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 TRIGGERFISH ST, SANTA ROSA BEACH, FL 32459-4518

Mortgage

Document Number	0033092509
Date	Dec 4, 2023
Instrument	3309/2509

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 54 Triggerfish St was $7,568, down 8.1% 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	$7,568.00 (-8.11%)	$837,635 Land $300,000 Building $537,635	$837,635 Land $300,000 Building $537,635
2024	$8,236.00 (+238.23%)
2023	$2,435.00 (+20.48%)	$300,000 (+37.54%) Land $300,000	$300,000 (+37.54%) Land $300,000
2022	$2,021.00	$218,115 Land $218,115	$218,115 Land $218,115

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 54 Triggerfish St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 2005.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 413 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	725 units insured incl. 312 condo units
Nearby Flood Claims	12 (2005–2025)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 3 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 54 Triggerfish St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach

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 369 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink.

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