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

Walton County property record for 689 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,232 sqft · built 2014
Lot Size	0.065 acres (2,831 sqft)
Owner	Company Name on Record
Last Sale	$1,075,000 (Sep 2026)
Tax Bill	$9,812 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jul 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-3S-19-25010-000-2170`

Property Details

APN / Parcel Number

Primary APN	`11-3S-19-25010-000-2170`
Alternative APNs	`11-319-25010-000-2170` `1015854`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,232 sqft Living Area
Gross Area	2,574 sqft
1st Floor Area	1,182 sqft
Flooring	Wood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Hardboard
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	2,831 sqft (0.065 acres)
Lot Dimensions	90 ft deep x 29 ft wide
Garage Type	Attached
Garage Area	108 sqft
Driveway	Brick Driveway
Porch	Patio
Porch Area	234 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	689 FLATWOODS FOREST LOOP
City	SANTA ROSA BEACH
State	FL
Zip	32459-8840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TND
Legal Description	LOT 217 NATUREWALK AT SEAGROVE PB 17 PG 34 REPLAT IN PB 18-8 OR 2844-4432 OR 2968-486 OR 3074-1369
Legal Range	019
Legal Township	03S
Legal Section	11
Legal Subdivision	SEAGROVE
Legal Block	21
Legal Lot Number	217
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 October 21, 2026

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	8001 STRATHMORE DR, MCKINNEY, TX 75072-5787
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Jul 24, 2018	Deed of Trust, Mortgage · Line of Credit SYNOVNUS BANK
Jun 6, 2018	Deed of Trust, Mortgage · Commercial Mortgage SYNOVUS BANK
May 22, 2018	Warranty Deed, Transfer · Conventional Mortgage CBC NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2026 · Amount on Record
Deed Sale	Sep 28, 2026 · Amount on Record
Prior Sale	May 22, 2018 · Amount on Record
Deed Document Number	202639919
Deed Book / Page	3414 / 1507
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 28, 2026
Property Address	689 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8840
Document Number	0000039919
Book / Page	3414 / 1507
Instrument Date	Sep 25, 2026
Instrument	202639919
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	SETCO SERVICES LLC, SETCO SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$760,025.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	8001 STRATHMORE DR, MCKINNEY, TX 75072-5787

Mortgage

Document Number	0000039921,
Date	Sep 28, 2026
Book Page	3414/1511
Instrument	202639921

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

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

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	689 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8840
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030800576
Date	Jul 24, 2018
Book Page	3080/0576
Instrument	2018000024538

Lender

Name	SYNOVNUS BANK
Type	Non-Lending Institution
Address	COLUMBUS, GA 31901

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	689 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8840
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030754314
Date	Jun 6, 2018
Book Page	3075/4314
Instrument	2018000018732

Lender

Name	SYNOVUS BANK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 22, 2018
Property Address	689 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8840
Document Number	0030741369
Book / Page	3074 / 1369
Map Reference	MB18 PG8
Instrument Date	May 9, 2018
Instrument	2018000016757
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3148 NEAL CT, 3148, CUMMING, GA 30041-6107

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5595 BANNERGATE DR, JOHNS CREEK, GA 30022-5592

Mortgage

Document Number	2018000016758
Date	May 22, 2018
Instrument	2018000016758

Lender

Name	CBC NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

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	$9,812.00 (-1.6%)	$922,552 (-12.77%) Land $280,000 Building $642,552	$922,552 (-12.77%) Land $280,000 Building $642,552
2024	$9,972.00 (+4.44%)
2023	$9,548.00 (+4.51%)	$1,057,634 (+6.58%) Land $278,916 Building $778,718	$1,057,634 (+6.58%) Land $278,916 Building $778,718
2022	$9,136.00	$992,354 Land $309,596 Building $682,758	$992,354 Land $309,596 Building $682,758

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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