56 E Shallows Dr, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 56 E Shallows Dr, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,844 sqft · built 1998
Lot Size	0.607 acres (26,441 sqft)
Owner	2 Individual Names on Record
Last Sale	$675,000 (Apr 2026)
Tax Bill	$1,299 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`26-2S-19-24040-000-0150`

Property Details

APN / Parcel Number

Primary APN	`26-2S-19-24040-000-0150`
Alternative APNs	`26-219-24040-000-0150` `1051790`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	1,844 sqft Living Area
Gross Area	3,534 sqft
1st Floor Area	396 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	26,441 sqft (0.607 acres)
Lot Dimensions	294 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	1,052 sqft
Driveway	Brick Driveway
Porch	Finished Screened Porch
Porch Area	638 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	56 E SHALLOWS DR
City	SANTA ROSA BEACH
State	FL
Zip	32459-5676
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 15 THE SHALLOWS S/D PB 9-1 OR 1658-217 OR 1863-375 OR 2121-95 OR 2543-986 OR 3081-2248 OR 3104-968 OR 3151-3321
Legal Range	019
Legal Township	02S
Legal Section	26
Legal Subdivision	THE SHALLOWS
Legal Block	1
Legal Lot Number	15
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	3
Census Block	3034
Census Tract	950605

Owner

Source: Walton County records, as of May 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	65635 SHADY LN, IRON RIVER, WI 54847-4490
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
Apr 28, 2026	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK
Jul 23, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
May 2, 2019	Grant Deed, Transfer SHORE TO SHORE TITLE INC
Aug 6, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2026 · Amount on Record
Deed Sale	Apr 28, 2026 · Amount on Record
Prior Sale	May 2, 2019 · Amount on Record
Deed Document Number	202616969
Deed Book / Page	3396 / 840
Prior Transfer Date	Jul 23, 2020
Prior Transfer Doc	0031513321
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 28, 2026
Property Address	56 E SHALLOWS DR, SANTA ROSA BEACH, FL 32459-5676
Document Number	0000016969
Book / Page	3396 / 840
Instrument Date	Apr 27, 2026
Instrument	2026.16969
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$477,225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65635 SHADY LN, IRON RIVER, WI 54847-4490

Mortgage

Document Number	0000016972,
Date	Apr 28, 2026
Instrument	2026..16972

Lender

Name	TRUSTMARK NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 28, 2026
Property Address	56 E SHALLOWS DR, SANTA ROSA BEACH, FL 32459-5676
Document Number	0033960840
Book / Page	3396 / 840
Instrument Date	Apr 27, 2026
Instrument	202616969
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$477,225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65635 SHADY LN, IRON RIVER, WI 54847-4490

Mortgage

Document Number	0000016972,
Date	Apr 28, 2026
Instrument	202616972

Lender

Name	TRUSTMARK NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

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

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Jul 23, 2020
Property Address	56 E SHALLOWS DR, SANTA ROSA BEACH, FL 32459-5676
Document Number	0031513321
Book / Page	003151 / 003321
Instrument Date	Jul 23, 2020
Instrument	26566
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 E SHALLOWS DR SANTA ROSA BEACH FL 324595676, SANTA ROSA BEACH, FL 32459-5676

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	May 2, 2019
Property Address	56 E SHALLOWS DR, SANTA ROSA BEACH, FL 32459-5676
Document Number	0031040968
Book / Page	003104 / 000968
Instrument Date	Apr 24, 2019
Instrument	13865
Transaction Type	Transfer
Record Updated	May 17, 2019
Title Company	SHORE TO SHORE TITLE INC

Transaction

Amount	Amount Recorded
Tax	$2,778.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	56 E SHALLOWS DR SANTA ROSA BEACH FL 324595676, SANTA ROSA BEACH, FL 32459-5676

August 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WALTON FL
Recording Date	Aug 6, 2018
Property Address	56 E SHALLOWS DR, SANTA ROSA BEACH, FL 32459-5676
Document Number	0030812248
Book / Page	003081 / 002248
Instrument Date	Jul 23, 2018
Instrument	26222
Transaction Type	Foreclosure
Record Updated	Aug 20, 2018

Transaction

Amount	Amount Recorded
Tax	$350.70
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	201 E PINE ST #730 ORLANDO FL 328012763, 730, ORLANDO, FL 32801-2763
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$1,299.00 (+2.28%) Homeowner's exemption	$182,451 (-59.37%)	$465,872 (+3.75%) Land $150,000 Building $315,872
2024	$1,270.00 (+4.44%)
2023	$1,216.00 (+1.76%) Homeowner's exemption	$449,014 (+14.24%) Land $125,000 Building $324,014	$449,014 (+14.24%) Land $125,000 Building $324,014
2022	$1,195.00 Homeowner's exemption	$393,052 Land $105,184 Building $287,868	$393,052 Land $105,184 Building $287,868

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 233 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	233 in force
Nearby Flood Claims	7 (2004–2020)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 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

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

Wildfire Risk	Moderate above 61% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T 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

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