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

Walton County property record for 654 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,480 sqft · built 2015
Lot Size	0.092 acres (4,004 sqft)
Owner	Company Name on Record
Last Sale	$1,200,000 (Nov 2025)
Tax Bill	$9,537 (2025)
Deeds & Mortgages	Nov 2025 Sale Sep 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`11-3S-19-25012-000-3140`

Property Details

APN / Parcel Number

Primary APN	`11-3S-19-25012-000-3140`
Alternative APNs	`11-319-25012-000-3140` `1015955`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,480 sqft Living Area
Gross Area	2,895 sqft
1st Floor Area	1,328 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	4,004 sqft (0.092 acres)
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	415 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	654 FLATWOODS FOREST LOOP
City	SANTA ROSA BEACH
State	FL
Zip	32459-8848
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 314 NATUREWALK AT SEAGROVE THIRD REPLAT PB 19-10 OR 2986-4665 OR 3268-82
Legal Range	019
Legal Township	03S
Legal Section	11
Legal Subdivision	SEAGROVE THIRD REPLAT
Legal Block	31
Legal Lot Number	314
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1019
Census Tract	950610

Owner

Source: Walton County records, as of December 3, 2025

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

Owner of Record	Company Name on Record
Mailing Address	5851 GARDEN OAK CV, MEMPHIS, TN 38120-2525
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Warranty Deed, Transfer SHORELINE TITLE LLC
Sep 27, 2022	Intrafamily Transfer, Transfer ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2025 · Amount on Record
Deed Sale	Nov 12, 2025 · Amount on Record
Prior Sale	Aug 10, 2015 · Amount on Record
Deed Document Number	202541867
Deed Book / Page	3377 / 2086
Prior Transfer Date	Sep 21, 2022
Prior Transfer Doc	0032680082
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 12, 2025
Property Address	654 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8848
Document Number	0033772086
Book / Page	3377 / 2086
Map Reference	MB 19 PG 10
Instrument Date	Nov 12, 2025
Instrument	20250041867
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$8,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	411 VERBENA CT, NAPERVILLE, IL 60565-3126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5851 GARDEN OAK CV, MEMPHIS, TN 38120-2525

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Sep 27, 2022
Property Address	654 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8848
Document Number	0032680082
Book / Page	3268 / 82
Map Reference	MB 19 PG 10
Instrument Date	Sep 21, 2022
Instrument	20220043076
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	411 VERBENA CT, 411, NAPERVILLE, IL 60565-3126

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$9,537.00 (-4.2%)	$834,366 (-14.86%) Land $125,000 Building $709,366	$834,366 (-14.86%) Land $125,000 Building $709,366
2024	$9,955.00 (+4.97%)
2023	$9,484.00 (+5.93%)	$980,040 (+9.53%) Land $120,472 Building $859,568	$980,040 (+9.53%) Land $120,472 Building $859,568
2022	$8,953.00	$894,802 Land $133,724 Building $761,078	$894,802 Land $133,724 Building $761,078

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 66% of the US · above 44% 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 100 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
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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