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

Walton County property record for 65 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,109 sqft · built 2014
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$865,000 (Dec 2017)
Tax Bill	$14,127 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-3S-19-25010-000-1040`

Property Details

APN / Parcel Number

Primary APN	`11-3S-19-25010-000-1040`
Alternative APNs	`11-319-25010-000-1040` `1015792`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,109 sqft Living Area
Gross Area	4,389 sqft
1st Floor Area	3,109 sqft
Flooring	Wood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	134 ft deep x 51 ft wide
Garage Type	Attached
Garage Area	250 sqft
Driveway	Brick Driveway
Porch	Finished Screened Porch
Porch Area	880 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	65 FLATWOODS FOREST LOOP
City	SANTA ROSA BEACH
State	FL
Zip	32459-8846
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 104 NATUREWALK AT SEAGROVE PB 17-34 REPLAT IN PB 18-8 OR 2844-4432 OR 2965-3157 OR 3058-4779
Legal Range	019
Legal Township	03S
Legal Section	11
Legal Subdivision	SEAGROVE
Legal Block	10
Legal Lot Number	104
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1006
Census Tract	950610

Owner

Source: Walton County records, as of July 14, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	15 REDWOOD DR, DIX HILLS, NY 11746-7727
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Warranty Deed, Transfer · Conventional Mortgage PINNACLE BANK
May 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage RENASANT BANK
Dec 4, 2017	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2017 · Amount on Record
Deed Sale	Dec 4, 2017 · Amount on Record
Prior Sale	Dec 1, 2014 · Amount on Record
Deed Document Number	201739641
Deed Book / Page	3058 / 4779
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 14, 2026
Property Address	65 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8846
Document Number	0000028945
Book / Page	3405 / 3477
Instrument Date	Jul 10, 2026
Instrument	202628945
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	SHORELINE TITLE LLC, SHORELINE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,184,225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3333 CASTLEHILL CT, NORTHLAKE, TX 76247-1877
Investor	Possibly a Property Investor

Mortgage

Document Number	0000028946,
Date	Jul 14, 2026
Book Page	3405/3479
Instrument	202628946

Lender

Name	PINNACLE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	65 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8846
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031441378
Date	May 28, 2020
Book Page	3144/1378
Instrument	20200017951

Lender

Name	RENASANT BANK
Type	Bank
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 4, 2017
Property Address	65 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8846
Document Number	0030584779
Book / Page	3058 / 4779
Map Reference	MB18 PG8
Instrument Date	Nov 30, 2017
Instrument	2017000039641
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount Recorded
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	121 N MONROE ST # ST8003, 121, TALLAHASSEE, FL 32301-1532

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 COUNTRY MEADOW CT, MELVILLE, NY 11747-2027

Mortgage

Document Number	2017000039642
Date	Dec 4, 2017
Instrument	2017000039642

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2032

Tax Assessment & Valuation

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	$14,127.00 (-1.61%)	$1,329,939 (-13.15%) Land $294,000 Building $1,035,939	$1,329,939 (-13.15%) Land $294,000 Building $1,035,939
2024	$14,358.00 (+4.36%)
2023	$13,758.00 (+11.28%)	$1,531,354 (+14.24%) Land $292,861 Building $1,238,493	$1,531,354 (+14.24%) Land $292,861 Building $1,238,493
2022	$12,363.00	$1,340,487 Land $325,076 Building $1,015,411	$1,340,487 Land $325,076 Building $1,015,411

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

Flood

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 Record 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

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

Wildfire Risk	Moderate above 65% of the US · above 42% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 190 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
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

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