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  5. Breakers St

645 Breakers St, Inlet Beach, FL 32461 Property Records

Walton County property record for 645 Breakers St, Inlet Beach, FL 32461 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3.5 Baths
Year BuiltBuilt 2009
Square Footage2,680 sqft Living Area
Lot Size8,668 sqft (0.199 acres)
OccupancyOwner Occupied
Last Sale$1,325,000 (2026)
Tax Bill$10,719.00 (2025)

Property Details

APN / Parcel Number

Primary APN25-3S-18-16200-000-0580
Alternative APNs
  • 25-318-16200-000-0580
  • 1050908

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Partial Baths1 Partial Baths
Building Area2,680 sqft Living Area
Gross Area3,867 sqft Gross Area
1st Floor1,688 sqft 1st Floor
Stories2 Stories
Primary FlooringWood Flooring
Interior StructureCustom/Decorative Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 2009
Effective Year BuiltEffective 2009
Exterior MaterialConcrete Exterior
Roof ConstructionCathedral/Clerestory Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area8,668 sqft (0.199 acres)
Depth X Width140 ft x 62 ft Depth x Width
Garage TypeAttached Garage
Garage Area576 sqft Garage
Deck AreaDeck Area
Porch Area611 sqft Porch
Arbor/PergolaArbor/Pergola

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Street Address645 BREAKERS ST
CityINLET BEACH
StateFL
Zip32461-8564
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLOT 58 WINTER GARDEN AT WATERSOUND S/D PB 17-68 OR 2724-3174 OR 2802-3893 OR 2899-2390 OR 2931-331 OR 2964-2032 OR 3087-4724 OR 3097-4624 OR 3129-4508 OR 3162-4590
Legal Range018
Legal Township03S
Legal Section25
Legal SubdivisionWATERSOUND
Legal Block5
Legal Lot Number58
JurisdictionWALTON FL
Minor Civil DivisionWALTON BEACHES
Census Blockgroup2
Census Block2063
Census Tract950610

Owner

Source: Walton County records · APN 25-3S-18-16200-000-0580

Assessment roll updated December 3, 2025 · Last verified June 2026

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

Owner of RecordIndividual Name on File
Mailing Address645 BREAKERS ST, INLET BEACH, FL 32461-8564
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 27, 2026Warranty Deed, Transfer · Conventional Mortgage
BANK OF AMIERCA NA
Mar 10, 2026Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Oct 06, 2020Warranty Deed, Transfer · Conventional Mortgage
WHITNEY BANK
Sep 03, 2020Warranty Deed, Transfer · Conventional Mortgage
WHITNEY BANK
Feb 22, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY
Oct 19, 2018Warranty Deed, Transfer · Conventional Mortgage
WHITNEY BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 27, 2026 · Amount on Record
Deed SaleMay 27, 2026 · Amount on Record
Prior SaleOct 06, 2020 · Amount on Record
Deed Doc Number202621573
Deed Book / Page3399 / 3510
Prior Transfer DateFeb 24, 2026
Prior Transfer Doc0033900538
Record RefreshedSep 20, 2026

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateMay 27, 2026
Property Address645 BREAKERS ST, INLET BEACH, FL 32461-8564
Document Number0033993510
Book / Page3399 / 3510
Instrument DateMay 22, 2026
Instrument202621573
Transaction TypeTransfer
Record UpdatedJun 12, 2026
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$936,775.00
Amount AccuracyCalculated from Tax (Full/Partial Unknown)
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 BREAKERS ST, INLET BEACH, FL 32461-8564

Mortgage

Document Number0000021574,
DateMay 27, 2026
Instrument202621574
Lender
NameBANK OF AMIERCA NA
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2056
Interest
Rate TypeAdjustable Rate
Rate5.5%
Initial TypeAdjustable Rate
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate-1%

March 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionWALTON FL
Recording DateMar 10, 2026
Property Address645 BREAKERS ST, INLET BEACH, FL 32461-8564
Document Number0033900538
Book / Page3390 / 538
Map ReferenceMB 17 PG 68-68
Instrument DateFeb 24, 2026
Instrument20260009097
Transaction TypeTransfer
Record UpdatedMar 25, 2026
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address308 W LAFAYETTE RD, INLET BEACH, FL 32461-8646

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address308 W LAFAYETTE RD, INLET BEACH, FL 32461-8646
InvestorPossibly a Property Investor

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateOct 06, 2020
Property Address645 BREAKERS ST, INLET BEACH, FL 32461-8564
Document Number0031624590
Book / Page3162 / 4590
Map ReferenceMB 17 PG 68-68F
Instrument DateOct 02, 2020
Instrument20200039377
Transaction TypeTransfer
Record UpdatedDec 30, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$6,419.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 6205, MIRAMAR BEACH, FL 32550-1016

Transferred To (Grantee/Buyer)

NameVerified Name
Address435 W LAKE FOREST DR, SANTA ROSA BEACH, FL 32459-5998

Mortgage

Document Number0031624592
DateOct 06, 2020
Instrument3162/4592
Lender
NameWHITNEY BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2050

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateSep 03, 2020
Property Address645 BREAKERS ST, INLET BEACH, FL 32461-8564
Document Number0031581769
Book / Page3158 / 1769
Map ReferenceMB 21 PG 36-40
Instrument DateAug 26, 2020
Instrument20200034287
Transaction TypeTransfer
Record UpdatedDec 30, 2021

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$15,750.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address6 MULBERRY PT, 6, COVINGTON, LA 70433-8510

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
AddressPO BOX 6205, MIRAMAR BEACH, FL 32550-1016

Mortgage

Document Number0031581771
DateSep 03, 2020
Instrument3158/1771
Lender
NameWHITNEY BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2050
Interest
Rate TypeAdjustable Rate
Rate3.5%

February 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWALTON FL
Recording DateFeb 22, 2019
Property Address645 BREAKERS ST, INLET BEACH, FL 32461-8564
Document Number0030974624
Book / Page003097 / 004624
Instrument DateFeb 20, 2019
Instrument5453
Transaction TypeTransfer
Record UpdatedMar 08, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
AddressPO BOX 6205 MIRAMAR BEACH FL 325501016, MIRAMAR BEACH, FL 32550-1016

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateOct 19, 2018
Property Address645 BREAKERS ST, INLET BEACH, FL 32461-8564
Document Number0030874724
Book / Page3087 / 4724
Map ReferenceMB17 PG68
Instrument DateOct 17, 2018
Instrument2018000035053
Transaction TypeTransfer
Record UpdatedDec 30, 2021
Title CompanyBURKE LAW & TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address6613 BUTTON BUCK TRL, 6613, PANAMA CITY BEACH, FL 32413-9577

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 6205, MIRAMAR BEACH, FL 32550-1016

Mortgage

Document Number2018000035055
DateOct 19, 2018
Instrument2018000035055
Lender
NameWHITNEY BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueNov 01, 2033

Tax Assessment & Valuation

Source: Walton County records · Assessment roll updated December 3, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$10,719.00 (+51.7%)$1,186,311 (-5.72%) Land $157,500 Building $1,028,811$1,186,311 (-5.72%) Land $157,500 Building $1,028,811
2024$7,066.00 (+3.7%)
2023$6,814.00 (+1.13%) Homeowner's exemption$1,258,325 (+8.83%) Land $127,786 Building $1,130,539$1,258,325 (+8.83%) Land $127,786 Building $1,130,539
2022$6,738.00 Homeowner's exemption$1,156,228 Land $141,843 Building $1,014,385$1,156,228 Land $141,843 Building $1,014,385

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Walton County (12131C), updated June 18, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskModerate
above 64% of the US · above 40% of Florida
Wildfire LikelihoodAbout 1 in 602 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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