601 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 601 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,959 sqft · built 2016
Lot Size	0.123 acres (5,358 sqft)
Owner	2 Individual Names on File
Last Sale	$745,000 (Mar 2019)
Tax Bill	$14,281 (2024)
Deeds & Mortgages	Nov 2025 Line of Credit Jul 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`11-3S-19-25010-000-2030`

Property Details

APN / Parcel Number

Primary APN	`11-3S-19-25010-000-2030`
Alternative APN	`1015840`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,959 sqft Living Area
Gross Area	3,671 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2016
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	5,358 sqft (0.123 acres)
Lot Dimensions	11.8 ft deep x 4.5 ft wide
Garage Type	Finished
Garage Area	250 sqft
Porch	Porch
Porch Area	462 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1015840
Street Address	601 FLATWOODS FOREST LOOP
City	SANTA ROSA BEACH
State	FL
Zip	32459-8840
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 203 NATUREWALK AT SEAGROVE PB 17-34 REPLAT IN PB 18-8 OR 2844-4432 OR 3036-3475 OR 3099-2586
Legal Range	19W
Legal Township	03S
Legal Section	11
Legal Subdivision	NATUREWALK AT SEAGROVE
Legal Lot Number	203
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1006
Census Tract	950610

Owner

601 Flatwoods Forest Loop is owned by two individuals who bought it in March 2019.

Source: Walton County records, as of December 17, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1301 WESTERN ST, WELLINGTON, KS 67152-3264
Owner Type	Individual

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
Nov 7, 2025	Deed of Trust, Mortgage · Line of Credit CARROLLTON BANK
Jul 13, 2023	Deed of Trust, Mortgage · Line of Credit CARROLLTON BANK
Apr 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
Nov 1, 2017	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
Mar 14, 2019	Warranty Deed, Transfer STIFEL BK&TR
Mar 27, 2017	Special Warranty Deed, Transfer · ARM REGIONS MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2019 · Amount on File
Deed Sale	Mar 14, 2019 · Amount on File
Prior Sale	Mar 27, 2017 · Amount on File
Deed Document Number	20190007556
Deed Book / Page	3099 / 2586
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	601 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8840
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1301 WESTERN ST, WELLINGTON, KS 67152-3264

Mortgage

Document Number	0033770546
Date	Nov 7, 2025
Book Page	3377/546
Instrument	20250041437

Lender

Name	CARROLLTON BANK
Type	Bank
Address	SAINT LOUIS, MO 63131

Agreement

Type	Line of Credit
Amount	Amount on Record

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	601 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8840
Transaction Type	Mortgage
Record Updated	Aug 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1301 WESTERN ST, WELLINGTON, KS 67152-3264

Mortgage

Document Number	0032952934
Date	Jul 13, 2023
Book Page	3295/2934
Instrument	20230024734

Lender

Name	CARROLLTON BANK
Type	Bank
Address	SAINT LOUIS, MO 63131

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jul 5, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	601 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8840
Transaction Type	Mortgage
Record Updated	May 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8840

Mortgage

Document Number	0031950735
Date	Apr 28, 2021
Book Page	3195/735
Instrument	20210020864

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	601 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8840
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030561980
Date	Nov 1, 2017
Book Page	3056/1980
Instrument	2017000036143

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 17, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 14, 2019
Property Address	601 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8840
Document Number	0030992586
Book / Page	003099 / 002586
Instrument Date	Mar 12, 2019
Instrument	7556
Transaction Type	Transfer
Record Updated	Mar 28, 2019
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,215.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	601 FLATWOODS FOREST LOOP SANTA ROSA BEACH FL 324598840, SANTA ROSA BEACH, FL 32459-8840

Mortgage

Document Number	30992588
Date	Mar 14, 2019
Book Page	003099/002588
Instrument	7557

Lender

Name	STIFEL BK&TR
Type	Bank
Address	ST LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 13, 2049

March 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 27, 2017
Property Address	601 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8840
Document Number	0030363475
Book / Page	3036 / 3475
Map Reference	MB18 PG8
Instrument Date	Mar 20, 2017
Instrument	0009169
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	KTITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	701 S OLIVE AVE # 104, 701, WEST PALM BEACH, FL 33401-6104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 S OLIVE AVE APT 104, 104, WEST PALM BEACH, FL 33401-6106

Mortgage

Document Number	0030363477
Date	Mar 27, 2017
Instrument	3036/3477

Lender

Name	REGIONS MORTGAGE
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	162 Months
Due	Sep 24, 2030

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Index	1-Year CMT

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$1,168,589 Land $280,000 Building $888,589	$1,168,589 Land $280,000 Building $888,589
2024	$14,281.00 (+3.89%)
2023	$13,746.00 (+4.65%)	$1,355,829 (+8.14%) Land $278,916 Building $1,076,913	$1,355,829 (+8.14%) Land $278,916 Building $1,076,913
2022	$13,135.00	$1,253,714 Land $309,596 Building $944,118	$1,253,714 Land $309,596 Building $944,118

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

Flood

FEMA maps place 601 Flatwoods Forest Loop in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 645 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,249 units insured incl. 604 condo units
Nearby Flood Claims	16 (2004–2023)
Claims Outside the SFHA	10 of 16
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 2 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 601 Flatwoods Forest Loop is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 55% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 64 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50

May also be available: CenturyLink.

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