613 Ridge Rd, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 613 Ridge Rd, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,218 sqft · built 2006
Lot Size	0.69 acres (30,056 sqft)
Owner	Company Name on File
Last Sale	$582,000 (Aug 2020)
Tax Bill	$6,660 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Aug 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`03-3S-20-34190-00C-0040`

Property Details

APN / Parcel Number

Primary APN	`03-3S-20-34190-00C-0040`
Alternative APNs	`03-320-34190-00C-0040` `1005858`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,218 sqft Living Area
Gross Area	5,595 sqft
1st Floor Area	2,780 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	30,056 sqft (0.69 acres)
Lot Dimensions	160 ft deep x 188 ft wide
Garage Type	Attached
Garage Area	808 sqft
Driveway	Brick Driveway

Exterior Amenities

Pool Area	378 sqft
Porch	Finished/Open Porch
Porch Area	797 sqft
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	613 RIDGE RD
City	SANTA ROSA BEACH
State	FL
Zip	32459-4241
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 5 & 6 BLK C SANTA ROSA RIDGE S/D UNIT II PB 4-36 OR 1665-217 OR 3116-2615 OR 3155-574
Legal Range	020
Legal Township	03S
Legal Section	03
Legal Subdivision	SANTA ROSA RIDGE UNIT II
Legal Block	C
Legal Lot Number	5,6
Legal Unit	II
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1006
Census Tract	950604

Owner

613 Ridge Rd is owned by a company that bought it in August 2020 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	613 RIDGE RD, SANTA ROSA BEACH, FL 32459-4241
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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 14, 2020	Warranty Deed, Transfer · Conventional Mortgage F & M BANK
Aug 30, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2020 · Amount on File
Deed Sale	Aug 14, 2020 · Amount on File
Deed Document Number	202030514
Deed Book / Page	3155 / 574
Prior Transfer Date	Aug 21, 2019
Prior Transfer Doc	0031162615
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 14, 2020
Property Address	613 RIDGE RD, SANTA ROSA BEACH, FL 32459-4241
Document Number	0031550574
Book / Page	3155 / 574
Map Reference	MB 4 PG 36
Instrument Date	Aug 11, 2020
Instrument	20200030514
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	EQUITRUST TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,074.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	613 RIDGE RD, 613, SANTA ROSA BEACH, FL 32459-4241

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 JARMAN LN, GALLATIN, TN 37066-7599

Mortgage

Document Number	0003155576
Date	Aug 14, 2020
Instrument	3155/576

Lender

Name	F & M BANK
Type	Bank

Agreement

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

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Aug 30, 2019
Property Address	613 RIDGE RD, SANTA ROSA BEACH, FL 32459-4241
Document Number	0031162615
Book / Page	003116 / 002615
Instrument Date	Aug 21, 2019
Instrument	29925
Transaction Type	Transfer
Record Updated	Sep 23, 2019
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	Personal Trust
Address	613 RIDGE RD SANTA ROSA BEACH FL 324594241, SANTA ROSA BEACH, FL 32459-4241

Tax Assessment & Valuation

The 2025 property tax bill for 613 Ridge Rd was $6,660 with exemptions applied, up 2% 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	$6,660.00 (+2.01%) Homeowner's exemption Senior Citizen's exemption	$795,162	$1,803,960 Land $900,000 Building $903,960
2024	$6,529.00 (+3.82%)
2023	$6,289.00 (+1.21%) Homeowner's exemption	$2,021,692 (+6.68%) Land $453,200 Building $1,568,492	$2,021,692 (+6.68%) Land $453,200 Building $1,568,492
2022	$6,214.00 Homeowner's exemption	$1,895,186 Land $503,052 Building $1,392,134	$1,895,186 Land $503,052 Building $1,392,134

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

Flood

FEMA maps place 613 Ridge Rd 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 294 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	579 units insured incl. 285 condo units
Nearby Flood Claims	11 (1995–2025)
Claims Outside the SFHA	3 of 11
Most Recent Claim	Jan 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 5 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 613 Ridge Rd is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.09% 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 97 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

May also be available: AT&T, T-Mobile.

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