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

Walton County property record for 682 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,102 sqft · built 2015
Lot Size	0.092 acres (4,004 sqft)
Owner	Individual Name on Record
Last Sale	$532,500 (Aug 2015)
Tax Bill	$6,945 (2025)
Deeds & Mortgages	Aug 2021 Transfer Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-3S-19-25012-000-3110`

Property Details

APN / Parcel Number

Primary APN	`11-3S-19-25012-000-3110`
Alternative APNs	`11-319-25012-000-3110` `1015952`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,102 sqft Living Area
Gross Area	3,134 sqft
1st Floor Area	1,070 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)
Garage Type	Attached
Garage Area	504 sqft
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	528 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	682 FLATWOODS FOREST LOOP
City	SANTA ROSA BEACH
State	FL
Zip	32459-8848
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 311 NATUREWALK AT SEAGROVE THIRD REPLAT PB 19-10 OR 2986-4749 OR 3212-1623
Legal Range	019
Legal Township	03S
Legal Section	11
Legal Subdivision	SEAGROVE THIRD REPLAT
Legal Block	31
Legal Lot Number	311
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	Individual Name on Record
Mailing Address	682 FALTWOODS LOOP, SANTA ROSA BEACH, FL 32459
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Aug 31, 2018	Deed of Trust, Mortgage · Commercial Mortgage THE HUNTINGTON NATIONAL BANK
Dec 22, 2017	Deed of Trust, Mortgage · Commercial Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2015 · Amount on Record
Deed Sale	Aug 10, 2015 · Amount on Record
Deed Document Number	20151333534
Deed Book / Page	2986 / 4749
Last Transfer Date	Aug 6, 2021
Transfer Doc	0032121623
Record Updated	Jun 8, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Aug 18, 2021
Property Address	682 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8848
Document Number	0032121623
Book / Page	3212 / 1623
Map Reference	MB 19 PG 10
Instrument Date	Aug 6, 2021
Instrument	20210041453
Transaction Type	Transfer
Record Updated	Sep 3, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3799 E COUNTY HIGHWAY 30A13D, 3799, SANTA ROSA BEACH, FL 32459

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	682 FALTWOODS LOOP, SANTA ROSA BEACH, FL 32459

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	682 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8848
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030833856
Date	Aug 31, 2018
Book Page	3083/3856
Instrument	2018000029504

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	43108

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 15, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	682 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8848
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	HBI TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030603765
Date	Dec 22, 2017
Book Page	3060/3765
Instrument	2017000041997

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	NAPLES, FL 34108

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$6,945.00 (+1.37%) Homeowner's exemption	$585,998 (-39.18%)	$820,591 (-14.83%) Land $125,000 Building $695,591
2024	$6,851.00 (+5.77%)
2023	$6,477.00 (+0.86%) Homeowner's exemption	$963,520 (+9.44%) Land $120,472 Building $843,048	$963,520 (+9.44%) Land $120,472 Building $843,048
2022	$6,422.00 Homeowner's exemption	$880,375 Land $133,724 Building $746,651	$880,375 Land $133,724 Building $746,651

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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