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

Walton County property record for 629 Ridge Rd, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,612 sqft · built 2016
Lot Size	0.323 acres (14,070 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (May 2015)
Tax Bill	$5,024 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Mar 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-3S-20-34190-00C-0070`

Property Details

APN / Parcel Number

Primary APN	`03-3S-20-34190-00C-0070`
Alternative APNs	`03-320-34190-00C-0070` `1005860`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,612 sqft Living Area
Gross Area	3,927 sqft
1st Floor Area	2,612 sqft
Flooring	Concrete/Cement
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	14,070 sqft (0.323 acres)
Lot Dimensions	150 ft deep x 94 ft wide
Garage Type	Attached
Garage Area	626 sqft
Porch	Finished/Open Porch
Porch Area	689 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	629 RIDGE RD
City	SANTA ROSA BEACH
State	FL
Zip	32459-4241
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 BLK C SANTA ROSA RIDGE UNIT 2 PB 4-36 OR 2279-50 OR 2410-2000 OR 2979-2398 OR 2988-993 OR 3318-3915
Legal Range	020
Legal Township	03S
Legal Section	03
Legal Subdivision	SANTA ROSA RIDGE UNIT 2
Legal Block	C
Legal Lot Number	7
Legal Unit	II
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1006
Census Tract	950604

Owner

629 Ridge Rd is owned and occupied by two individuals who acquired it in August 2015.

Source: Walton County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	629 RIDGE RD, SANTA ROSA BEACH, FL 32459-4241
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Oct 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage WHITNEY BANK
Mar 19, 2024	Intrafamily Transfer, Transfer
Oct 27, 2017	Deed of Trust, Mortgage · Commercial Mortgage HANCOCK BANK
Sep 27, 2019	Deed of Trust, Mortgage · Commercial Mortgage CENTERSTONE SBA LENDING INC
Jul 29, 2016	Loan Modification, Mortgage HANCOCK BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2015 · Amount on File
Deed Sale	May 18, 2015 · Amount on File
Prior Sale	Aug 31, 2000 · Amount on File
Deed Document Number	20151323002
Deed Book / Page	2979 / 2398
Last Transfer Date	Aug 21, 2015
Transfer Doc	0029880993
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	629 RIDGE RD, SANTA ROSA BEACH, FL 32459-4241
Transaction Type	Mortgage
Record Updated	May 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	629 RIDGE RD, SANTA ROSA BEACH, FL 32459-4241

Mortgage

Document Number	0032684983
Date	Oct 6, 2022
Book Page	3268/4983
Instrument	20220044358

Lender

Name	WHITNEY BANK
Type	Bank
Address	GULFPORT, MS 39501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Mar 19, 2024
Property Address	629 RIDGE RD, SANTA ROSA BEACH, FL 32459-4241
Document Number	0033183915
Book / Page	3318 / 3915
Map Reference	MB 4 PG 36
Instrument Date	Mar 18, 2024
Instrument	20240009443
Transaction Type	Transfer
Record Updated	May 7, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	629 RIDGE RD, SANTA ROSA BEACH, FL 32459-4241

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	629 RIDGE RD, SANTA ROSA BEACH, FL 32459-4241

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	629 RIDGE RD, SANTA ROSA BEACH, FL 32459-4241
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030554790
Date	Oct 27, 2017
Book Page	3055/4790
Instrument	2017000035566

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	629 RIDGE RD, SANTA ROSA BEACH, FL 32459-4241
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031191044
Date	Sep 27, 2019
Book Page	3119/1044
Instrument	20190033592

Lender

Name	CENTERSTONE SBA LENDING INC
Type	Lending Institution
Address	LOS ANGELES, CA 90017

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 1, 2029

July 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	629 RIDGE RD, SANTA ROSA BEACH, FL 32459-4241
Document Number	0030403727
Instrument Date	Jul 29, 2016
Transaction Type	Mortgage
Record Updated	Aug 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	629 RIDGE RD SANTA ROSA BEACH FL 324594241, SANTA ROSA BEACH, FL 32459-4241

Mortgage

Document Number	0030403727
Date	May 8, 2017
Book Page	003040/003727
Instrument	14816

Lender

Name	HANCOCK BK
Type	Bank

Agreement

Amount	Amount on Record
Term	336 Months
Due	May 7, 2045

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 629 Ridge Rd was $5,024, up 1.9% 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	$5,024.00 (+1.95%)	$594,612	$1,055,626 Land $450,000 Building $605,626
2024	$4,928.00 (+3.77%)
2023	$4,749.00 (+1.17%) Homeowner's exemption	$1,247,067 (+8.44%) Land $226,600 Building $1,020,467	$1,247,067 (+8.44%) Land $226,600 Building $1,020,467
2022	$4,694.00 Homeowner's exemption	$1,149,964 Land $251,526 Building $898,438	$1,149,964 Land $251,526 Building $898,438

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

Flood

FEMA maps place 629 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1995.

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
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 629 Ridge Rd is moderate, ranking above 51% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.08% 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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