565 E Shipwreck Rd, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 565 E Shipwreck Rd, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,992 sqft · built 2005
Lot Size	0.573 acres (24,960 sqft)
Owner	2 Individual Names on File
Last Sale	$785,000 (Aug 2026)
Tax Bill	$4,609 (2025)
Deeds & Mortgages	Aug 2026 Sale Dec 2022 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`13-2S-21-42100-000-0060`

Property Details

APN / Parcel Number

Primary APN	`13-2S-21-42100-000-0060`
Alternative APNs	`13-221-42100-000-0060` `1018985`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,992 sqft Living Area
Gross Area	3,875 sqft
1st Floor Area	2,992 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	24,960 sqft (0.573 acres)
Lot Dimensions	250 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch
Porch Area	42 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	565 E SHIPWRECK RD
City	SANTA ROSA BEACH
State	FL
Zip	32459-8012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CC
Legal Description	LOT 6 1ST ADD TO DRIFTWOOD EST S/D PB 16-33 OR 2669-286 OR 2846-2305 OR 3132-3681 OR 3274-3955
Legal Range	21W
Legal Township	02S
Legal Section	13
Legal Subdivision	DRIFTWOOD EST
Legal Lot Number	6
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1008
Census Tract	950607

Owner

565 E Shipwreck Rd is owned and occupied by two individuals who bought it in August 2026.

Source: Walton County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	565 E SHIPWRECK RD, SANTA ROSA BEACH, FL 32459-8012
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His 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 3, 2026	Correction Deed TITLE SERVICES, AQUARK TITLE SERVICES
Dec 6, 2022	Quit Claim Deed, Transfer Quitclaim
Oct 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF ENGLAND
Feb 10, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2026 · Amount on File
Deed Sale	Aug 3, 2026 · Amount on File
Prior Sale	Feb 10, 2020 · Amount on File
Deed Document Number	202631960
Deed Book / Page	3408 / 264
Prior Transfer Date	Jul 30, 2026
Prior Transfer Doc	0000031959
Record Updated	Oct 29, 2026

August 2026: Correction Deed

Document Type	Correction Deed
Jurisdiction	WALTON FL
Recording Date	Aug 3, 2026
Property Address	565 E SHIPWRECK RD, SANTA ROSA BEACH, FL 32459-8012
Document Number	0000031959
Book / Page	3408 / 262
Instrument Date	Jul 30, 2026
Instrument	202631959
Record Updated	Aug 31, 2026
Title Company	TITLE SERVICES, AQUARK TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Dec 6, 2022
Property Address	565 E SHIPWRECK RD, SANTA ROSA BEACH, FL 32459-8012
Document Number	0032743955
Book / Page	3274 / 3955
Map Reference	MB 16-33
Instrument Date	Dec 1, 2022
Instrument	20220052255
Transaction Type	Transfer
Record Updated	Dec 27, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 6074, MIRAMAR BEACH, FL 32550-1001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 6074, MIRAMAR BEACH, FL 32550-1001

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	565 E SHIPWRECK RD, SANTA ROSA BEACH, FL 32459-8012
Transaction Type	Mortgage
Record Updated	Oct 27, 2021
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	565 SHIPWRECK RD C, C, SANTA ROSA BEACH, FL 32459-3067

Mortgage

Document Number	0032202339
Date	Oct 13, 2021
Book Page	3220/2339
Instrument	20210051142

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 10, 2020
Property Address	565 E SHIPWRECK RD, SANTA ROSA BEACH, FL 32459-8012
Document Number	0031323681
Book / Page	003132 / 003681
Instrument Date	Feb 5, 2020
Instrument	4710
Transaction Type	Transfer
Record Updated	Mar 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,625.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 6074 MIRAMAR BEACH FL 325501001, MIRAMAR BEACH, FL 32550-1001

Tax Assessment & Valuation

The 2025 property tax bill for 565 E Shipwreck Rd was $4,609, up 14.3% 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	$4,609.00 (+14.25%)	$573,860 Land $165,000 Building $408,860	$573,860 Land $165,000 Building $408,860
2024	$4,034.00 (+4.72%)
2023	$3,852.00 (+7.33%)	$479,980 (+9.22%) Land $61,411 Building $418,569	$479,980 (+9.22%) Land $61,411 Building $418,569
2022	$3,589.00	$439,447 Land $68,167 Building $371,280	$439,447 Land $68,167 Building $371,280

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

Flood

FEMA maps place 565 E Shipwreck Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 417 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	417 in force
Nearby Flood Claims	6 (2004–2020)
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 4 claims Hurricane Frances, Sep 2004 · 2 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 565 E Shipwreck Rd 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 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	3 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 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Cox Communications, Wildstar Networks.

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