Walton County property record for 641 E Shipwreck Rd, Santa Rosa Beach, FL 32459
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,680 sqft · built 2005 |
| Lot Size | 0.573 acres (24,960 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $487,000 (Feb 2021) |
| Tax Bill | $2,763 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Feb 2021 Transfer + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 13-2S-21-42100-000-0020 |
| Primary APN | 13-2S-21-42100-000-0020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,680 sqft Living Area |
| Gross Area | 3,508 sqft |
| 1st Floor Area | 2,680 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| 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 Screened Porch |
| Porch Area | 387 sqft |
| Patio Area | 340 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 641 E SHIPWRECK RD |
|---|---|
| City | SANTA ROSA BEACH |
| State | FL |
| Zip | 32459-3016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CC |
| Legal Description | LOT 2 1ST ADD TO DRIFTWOOD EST S/D PB 16-33 OR 2675-852 OR 2812-2355 OR 2816-3736 OR 2912-1993 OR 3181-210 OR 3183-656 OR 3369-1246 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 13 |
| Legal Subdivision | DRIFTWOOD EST |
| Legal Block | M |
| Legal Lot Number | 2 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 950607 |
641 E Shipwreck Rd is owner-occupied and held in a trust since February 2021.
Source: Walton County records, as of September 4, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 641 E SHIPWRECK RD, SANTA ROSA BEACH, FL 32459-3016 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 10, 2021 | Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Feb 16, 2021 | Correction Deed ATTORNEY ONLY, ATTORNEY |
| Feb 1, 2021 | Warranty Deed, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 2021 · Amount on File |
| Deed Sale | Feb 1, 2021 · Amount on File |
| Prior Sale | Feb 19, 2013 · Amount on File |
| Deed Document Number | 20214682 |
| Deed Book / Page | 3181 / 210 |
| Last Transfer Date | Feb 12, 2021 |
| Transfer Doc | 0031830656 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 641 E SHIPWRECK RD, SANTA ROSA BEACH, FL 32459-3016 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0032290247 |
|---|---|
| Date | Dec 10, 2021 |
| Book Page | 3229/247 |
| Instrument | 20210061008 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | ISELIN, NJ 08830 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 350 Months |
| Due | Feb 1, 2051 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Feb 16, 2021 |
| Property Address | 641 E SHIPWRECK RD, SANTA ROSA BEACH, FL 32459-3016 |
| Document Number | 0031830656 |
| Book / Page | 3183 / 656 |
| Map Reference | MB 16 PG 33&33A |
| Instrument Date | Feb 12, 2021 |
| Instrument | 20210007028 |
| Record Updated | Dec 30, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 641 E SHIPWRECK RD, 641, SANTA ROSA BEACH, FL 32459-3016 |
| Name | Verified Name |
|---|---|
| Address | 11407 ANDY DR, RIVERVIEW, FL 33569-5557 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Feb 1, 2021 |
| Property Address | 641 E SHIPWRECK RD, SANTA ROSA BEACH, FL 32459-3016 |
| Document Number | 0031810210 |
| Book / Page | 3181 / 210 |
| Map Reference | MB 16 PG 33&33A |
| Instrument Date | Jan 29, 2021 |
| Instrument | 20210004682 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | ADVANTAGE TITLE INC, ADVANTAGE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,409.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 641 E SHIPWRECK RD, 641, SANTA ROSA BEACH, FL 32459-3016 |
| Name | Verified Name |
|---|---|
| Address | 11407 ANDY DR, RIVERVIEW, FL 33569-5557 |
| Document Number | 0003181212 |
|---|---|
| Date | Feb 1, 2021 |
| Instrument | 3181/212 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
The 2025 property tax bill for 641 E Shipwreck Rd was $2,763, up 2.1% from the year before.
Source: Walton County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,763.00 (+2.11%) | $349,399 | $550,229 Land $165,000 Building $385,229 |
| 2024 | $2,706.00 (+4%) | ||
| 2023 | $2,602.00 (+1.4%) Homeowner's exemption | $455,769 (+10.03%) Land $61,411 Building $394,358 | $455,769 (+10.03%) Land $61,411 Building $394,358 |
| 2022 | $2,566.00 Homeowner's exemption | $414,207 Land $68,167 Building $346,040 | $414,207 Land $68,167 Building $346,040 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 641 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 |
|
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 risk around 641 E Shipwreck Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 35 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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