Walton County property record for 654 Breakers St, Inlet Beach, FL 32461 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3.5 Baths |
| Year Built | Built 2014 |
| Square Footage | 2,317 sqft Living Area |
| Lot Size | 9,060 sqft (0.208 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $1,078,000 (2026) |
| Tax Bill | $7,906.00 (2025) |
| Primary APN | 25-3S-18-16200-000-0800 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,317 sqft Living Area |
| Gross Area | 3,221 sqft Gross Area |
| 1st Floor | 2,317 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Custom/Decorative Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Concrete Exterior |
| Roof Construction | Cathedral/Clerestory Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,060 sqft (0.208 acres) |
| Depth X Width | 140 ft x 65 ft Depth x Width |
| Garage Type | Attached Garage |
| Garage Area | 598 sqft Garage |
| Deck Area | Deck Area |
| Porch Area | 306 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 654 BREAKERS ST |
|---|---|
| City | INLET BEACH |
| State | FL |
| Zip | 32461-8563 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 80 WINTER GARDEN AT WATERSOUND S/D PB 17-68 OR 2724-3174 OR 2929-3753 OR 2961-2562 OR 3212-1347 |
| Legal Range | 018 |
| Legal Township | 03S |
| Legal Section | 25 |
| Legal Subdivision | WATERSOUND |
| Legal Block | 8 |
| Legal Lot Number | 80 |
| Jurisdiction | WALTON FL |
| Minor Civil Division | WALTON BEACHES |
| Census Blockgroup | 2 |
| Census Block | 2062 |
| Census Tract | 950610 |
Source: Walton County records · APN 25-3S-18-16200-000-0800
Assessment roll updated December 3, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 6501 KELLEYS PL, FRANKLIN, TN 37064-7500 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 23, 2026 | Warranty Deed, Transfer · Conventional Mortgage LUMINATE BANK |
| Aug 18, 2021 | Special Warranty Deed, Transfer · Conventional Mortgage WHITNEY BANK |
| Dec 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ARC HOME LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 23, 2026 · Amount on Record |
| Deed Sale | Mar 23, 2026 · Amount on Record |
| Prior Sale | Aug 18, 2021 · Amount on Record |
| Deed Doc Number | 202611018 |
| Deed Book / Page | 3391 / 3461 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 23, 2026 |
| Property Address | 654 BREAKERS ST, INLET BEACH, FL 32461-8563 |
| Document Number | 0033913461 |
| Book / Page | 3391 / 3461 |
| Map Reference | MB 17 PG 68 |
| Instrument Date | Mar 23, 2026 |
| Instrument | 20260011018 |
| Transaction Type | Transfer |
| Record Updated | Apr 02, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,546.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 654 BREAKERS ST, INLET BEACH, FL 32461-8563 |
| Name | Verified Name |
|---|---|
| Address | 6501 KELLEYS PL, FRANKLIN, TN 37064-7500 |
| Document Number | 0033913463 |
|---|---|
| Date | Mar 23, 2026 |
| Instrument | 3391/3463 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Aug 18, 2021 |
| Property Address | 654 BREAKERS ST, INLET BEACH, FL 32461-8563 |
| Document Number | 0032121347 |
| Book / Page | 3212 / 1347 |
| Map Reference | MB 17 PG 69 |
| Instrument Date | Jul 29, 2021 |
| Instrument | 20210041405 |
| Transaction Type | Transfer |
| Record Updated | Sep 03, 2021 |
| Title Company | FLORIDIAN TITLE LLC, FLORIDA TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,475.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 33 E GEORGIE ST, 33, SANTA ROSA BEACH, FL 32459-5681 |
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 654 BREAKERS ST, INLET BEACH, FL 32461-8563 |
| Document Number | 32121349 |
|---|---|
| Date | Aug 18, 2021 |
| Instrument | 3212/1349 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.5% |
| Type Change Date | Aug 01, 2031 |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.5% |
| Index | Other |
| Max Rate | 7.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 654 BREAKERS ST, INLET BEACH, FL 32461-8563 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 654 BREAKERS ST, ROSEMARY BEACH, FL 32461-8563 |
| Document Number | 0031752818 |
|---|---|
| Date | Dec 29, 2020 |
| Book Page | 3175/2818 |
| Instrument | 20200053712 |
| Name | ARC HOME LLC |
|---|---|
| Type | Mortgage Company |
| Address | MC LEAN, VA 22102 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
Source: Walton County records · Assessment roll updated December 3, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,906.00 (+1.54%) Homeowner's exemption | $913,659 (-1.06%) Land $157,500 Building $756,159 | $913,659 (-1.06%) Land $157,500 Building $756,159 |
| 2024 | $7,786.00 (+3.69%) | ||
| 2023 | $7,509.00 (+1.12%) Homeowner's exemption | $923,449 (+9.99%) Land $127,786 Building $795,663 | $923,449 (+9.99%) Land $127,786 Building $795,663 |
| 2022 | $7,426.00 Homeowner's exemption | $839,550 Land $141,843 Building $697,707 | $839,550 Land $141,843 Building $697,707 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Moderate above 64% of the US · above 40% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 602 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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