669 E Shipwreck Rd, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 669 E Shipwreck Rd, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,578 sqft · built 2004
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$208,000 (Jan 2016)
Tax Bill	$2,453 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`13-2S-21-42010-000-0171`

Property Details

APN / Parcel Number

Primary APN	`13-2S-21-42010-000-0171`
Alternative APNs	`13-221-42010-000-0171` `1018684`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,578 sqft Living Area
Gross Area	2,142 sqft
1st Floor Area	1,578 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	120 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	400 sqft
Porch	Slab
Porch Area	24 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	669 E SHIPWRECK RD
City	SANTA ROSA BEACH
State	FL
Zip	32459-3016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 171 DRIFTWOOD ESTATES PH 2A PB 15-79 OR 2633-1403 OR 2783-4295 OR 2787-4408 OR 2999-1661
Legal Range	021
Legal Township	02S
Legal Section	13
Legal Subdivision	DRIFTWOOD ESTATES PH 2A
Legal Phase	2A
Legal Block	1
Legal Lot Number	171
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1008
Census Tract	950607

Owner

669 E Shipwreck Rd is owned and occupied by two individuals who bought it in January 2016.

Source: Walton County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	669 E SHIPWRECK RD, SANTA ROSA BEACH, FL 32459-3016
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2016 · Amount on File
Deed Sale	Jan 11, 2016 · Amount on File
Prior Sale	Mar 19, 2008 · Amount on File
Deed Document Number	2016847
Deed Book / Page	2999 / 1661
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	669 E SHIPWRECK RD, SANTA ROSA BEACH, FL 32459-3016
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3043 TOWNSGATE RD, WESTLAKE VILLAGE, CA 91361-3027

Mortgage

Document Number	0032220727
Date	Oct 25, 2021
Book Page	3222/727
Instrument	20210053109

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 669 E Shipwreck Rd was $2,453 with exemptions applied, down 2.3% from the year before.

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	$2,453.00 (-2.27%) Homeowner's exemption Veteran's exemption	$315,148 Land $45,000 Building $270,148	$315,148 Land $45,000 Building $270,148
2024	$2,510.00 (-0.63%)
2023	$2,526.00 (-1.37%) Homeowner's exemption	$321,380 (+0.57%) Land $44,754 Building $276,626	$321,380 (+0.57%) Land $44,754 Building $276,626
2022	$2,561.00 Homeowner's exemption	$319,568 Land $49,676 Building $269,892	$319,568 Land $49,676 Building $269,892

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

Flood

FEMA maps place 669 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	Hurricane Sally, Sep 2020 · 4 claims Hurricane Frances, Sep 2004 · 2 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

Wildfire risk around 669 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.

Drinking Water

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

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 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