58 Initial Ln, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 58 Initial Ln, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,428 sqft · built 1984
Lot Size	0.334 acres (14,549 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,560,000 (Apr 2026)
Tax Bill	$3,140 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Apr 2026 Sale & Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`24-2S-21-42273-000-0060`

Property Details

APN / Parcel Number

Primary APN	`24-2S-21-42273-000-0060`
Alternative APNs	`24-221-42273-000-0060` `1044789`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,428 sqft Living Area
Gross Area	2,530 sqft
1st Floor Area	2,428 sqft
Flooring	Wood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2010
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	14,549 sqft (0.334 acres)
Lot Dimensions	147 ft deep x 99 ft wide
Garage Area	528 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	90 sqft
Deck Area	Deck Area
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	58 INITIAL LN
City	SANTA ROSA BEACH
State	FL
Zip	32459-3144
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BYMACK
Legal Description	PART OF LOTS 6 & 7 UNRECD PLAT OF E1/2 OF LOT 23 RSP DESC AS: COMMENCING AT NE/C LOT 23 SRP N89 DEG 55' 25 W 283 FT TO POB S0 DEG 08' 54 W 165.32 FT N89 DEG 57' 58 W 30 FT N0 DEG 08' 54 E 33 FT N64 DEG 51' 45 W 149 FT TO WATERS EDGE OF MACK BAYOU, ME
Legal Range	021
Legal Township	02S
Legal Section	24
Legal Subdivision	S/D OF E1/2 OF LOT 23
Legal Lot Number	60
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2007
Census Tract	950604

Owner

Source: Walton County records, as of May 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	58 INITIAL LN, SANTA ROSA BEACH, FL 32459-3144
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2023	Deed of Trust, Mortgage · Line of Credit TRUSTMARK NATIONAL BANK
Apr 16, 2026	Warranty Deed, Transfer · Conventional Mortgage RAYMOND JAMES BANK
Sep 14, 2022	Warranty Deed, Transfer PROVIDENT TITLE, PROVIDENT TITLE LLC
Feb 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage TRUSTMARK NATIONAL BANK
Aug 21, 2020	Deed of Trust, Mortgage · Line of Credit RENASANT BANK
Mar 9, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Prior Sale	Sep 14, 2022 · Amount on Record
Deed Document Number	202615084
Deed Book / Page	3394 / 3885
Prior Transfer Date	Dec 19, 2019
Prior Transfer Doc	0031354582
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	58 INITIAL LN, SANTA ROSA BEACH, FL 32459-3144
Transaction Type	Mortgage
Record Updated	Apr 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	58 INITIAL LN, SANTA ROSA BEACH, FL 32459-3144

Mortgage

Document Number	0033080144
Date	Nov 16, 2023
Book Page	3308/144
Instrument	20230041480

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	SANTA ROSA BEACH, FL 32459

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 16, 2026
Property Address	58 INITIAL LN, SANTA ROSA BEACH, FL 32459-3144
Document Number	0033943885
Book / Page	3394 / 3885
Instrument Date	Apr 14, 2026
Instrument	2026.15084
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	BURKE LAW AND TITLE LLC, BURKE LAW & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,102,920.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	58 INITIAL LN, SANTA ROSA BEACH, FL 32459-3144
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015085,
Date	Apr 16, 2026
Book Page	3394/3887
Instrument	2026.15085

Lender

Name	RAYMOND JAMES BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	385 Months
Due	May 1, 2058

Interest

Rate Type	Adjustable Rate
Rate	5.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 14, 2022
Property Address	58 INITIAL LN, SANTA ROSA BEACH, FL 32459-3144
Document Number	0032663014
Book / Page	3266 / 3014
Instrument Date	Sep 13, 2022
Instrument	20220041178
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	PROVIDENT TITLE, PROVIDENT TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$7,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	226 HIDEAWAY BAY DR, 226, MIRAMAR BEACH, FL 32550-4094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 BOTANY BLVD, SANTA ROSA BEACH, FL 32459-7196

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	58 INITIAL LN, SANTA ROSA BEACH, FL 32459-3144
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030642461
Date	Feb 1, 2018
Book Page	3064/2461
Instrument	2018000003380

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	JACKSON, MS 39225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	58 INITIAL LN, SANTA ROSA BEACH, FL 32459-3144
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	58 INITIAL LN, SANTA ROSA BEACH, FL 32459-3144

Mortgage

Document Number	0031561495
Date	Aug 21, 2020
Book Page	3156/1495
Instrument	20200031851

Lender

Name	RENASANT BANK
Type	Bank
Address	SANTA ROSA BEACH, FL 32459

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 25, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Mar 9, 2020
Property Address	58 INITIAL LN, SANTA ROSA BEACH, FL 32459-3144
Document Number	0031354582
Book / Page	003135 / 004582
Instrument Date	Dec 19, 2019
Instrument	8628
Transaction Type	Transfer
Record Updated	May 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	58 INITIAL LN SANTA ROSA BEACH FL 324593144, SANTA ROSA BEACH, FL 32459-3144

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	$3,140.00 (+2.01%)	$386,138 (-36.2%)	$697,671 (+15.28%) Land $350,000 Building $347,671
2024	$3,078.00 (+3.92%)
2023	$2,962.00 (+4.3%) Homeowner's exemption	$605,192 (+25.34%) Land $242,513 Building $362,679	$605,192 (+25.34%) Land $242,513 Building $362,679
2022	$2,840.00 Homeowner's exemption	$482,845 Land $242,270 Building $240,575	$482,845 Land $242,270 Building $240,575

Assessed value is set for property tax purposes, not a market price estimate; it is 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 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 Record median of 193 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	193 in force
Nearby Flood Claims	3 (2020–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% 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 237 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
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Cox Communications, Wildstar Networks.

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