56 Snapper St, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 56 Snapper St, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,780 sqft · built 2004
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on File
Last Sale	$715,000 (Sep 2021)
Tax Bill	$6,579 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-3S-20-34030-00G-0070`

Property Details

APN / Parcel Number

Primary APN	`12-3S-20-34030-00G-0070`
Alternative APNs	`12-320-34030-00G-0070` `1017016`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,780 sqft Living Area
Gross Area	2,118 sqft
1st Floor Area	883 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	70 ft deep x 44 ft wide
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	338 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	56 SNAPPER ST
City	SANTA ROSA BEACH
State	FL
Zip	32459-4512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 7 BLK G BLUE GULF RESORT UNIT 1 PB 3-69 OR 1845-408 OR 2620-4655 OR 3101-4117 OR 3156-3855 OR 3214-4667
Legal Range	020
Legal Township	03S
Legal Section	12
Legal Subdivision	BLUE GULF RESORT UNIT 1
Legal Block	G
Legal Lot Number	7
Legal Unit	1 P
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1035
Census Tract	950606

Owner

56 Snapper St is owned by two individuals who bought it in September 2021.

Source: Walton County records, as of December 3, 2025

Owner of Record	2 Individual Names on File
Mailing Address	4122 FOX HOLLOW CT, MIDLAND, TX 79707-4635
Owner Type	Individual
Vesting	Husband and Wife

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 26, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK
May 15, 2020	Deed of Trust, Mortgage COMMUNITY BK/MS
Apr 8, 2019	Grant Deed, Transfer ATTORNEY ONLY
Aug 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage MONEY SOURCE (NY) INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2021 · Amount on File
Deed Sale	Sep 8, 2021 · Amount on File
Prior Sale	Aug 26, 2020 · Amount on File
Deed Document Number	202144602
Deed Book / Page	3214 / 4667
Prior Transfer Date	Feb 1, 2019
Prior Transfer Doc	0031014117
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 26, 2020
Property Address	56 SNAPPER ST, SANTA ROSA BEACH, FL 32459-4512
Document Number	0031563855
Book / Page	3156 / 3855
Map Reference	MB 3 PG 69
Instrument Date	Aug 20, 2020
Instrument	20200032409
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,395.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	276 CONNER CIR, 276, SANTA ROSA BEACH, FL 32459-5030

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 KINGSWOOD DR, ALLEN, TX 75002-8058

Mortgage

Document Number	0031563857
Date	Aug 26, 2020
Instrument	3156/3857

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	56 SNAPPER ST, SANTA ROSA BEACH, FL 32459-4512
Document Number	0031432781
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	56 SNAPPER ST SANTA ROSA BEACH FL 324594512, SANTA ROSA BEACH, FL 32459-4512

Mortgage

Document Number	0031432781
Date	May 20, 2020
Book Page	003143/002781
Instrument	17157

Lender

Name	COMMUNITY BK/MS
Type	Bank
Address	FOREST, MS 39074

Agreement

Amount	Amount on Record

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	Apr 8, 2019
Property Address	56 SNAPPER ST, SANTA ROSA BEACH, FL 32459-4512
Document Number	0031014117
Book / Page	003101 / 004117
Instrument Date	Feb 1, 2019
Instrument	10658
Transaction Type	Transfer
Record Updated	Apr 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	56 SNAPPER ST SANTA ROSA BEACH FL 324594512, SANTA ROSA BEACH, FL 32459-4512

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	56 SNAPPER ST, SANTA ROSA BEACH, FL 32459-4512
Document Number	0030840809
Instrument Date	Aug 28, 2018
Transaction Type	Mortgage
Record Updated	Sep 25, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	56 SNAPPER ST SANTA ROSA BEACH FL 324594512, SANTA ROSA BEACH, FL 32459-4512

Mortgage

Document Number	0030840809
Date	Sep 5, 2018
Book Page	003084/000809
Instrument	29947

Lender

Name	MONEY SOURCE (NY) INC
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 4, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 56 Snapper St was $6,579, down 1.7% 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	$6,579.00 (-1.72%)	$728,215 Land $335,000 Building $393,215	$728,215 Land $335,000 Building $393,215
2024	$6,694.00 (+0.3%)
2023	$6,674.00 (+13.02%)	$772,572 (+21.23%) Land $335,000 Building $437,572	$772,572 (+21.23%) Land $335,000 Building $437,572
2022	$5,905.00	$637,281 Land $218,115 Building $419,166	$637,281 Land $218,115 Building $419,166

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

Flood

FEMA maps place 56 Snapper St 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 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 56 Snapper St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% 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 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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