71 Cedar Post Rd, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 71 Cedar Post Rd, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,796 sqft · built 2017
Lot Size	0.076 acres (3,354 sqft)
Owner	Individual Name on Record
Last Sale	$2,700,000 (Mar 2023)
Tax Bill	$19,202 (2024)
Deeds & Mortgages	Mar 2023 Sale Apr 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-3S-20-34350-004-0100`

Property Details

APN / Parcel Number

Primary APN	`02-3S-20-34350-004-0100`
Alternative APN	`1004007`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	2,796 sqft Living Area
Gross Area	4,975 sqft
Interior Walls	Custom/Decorative
Elevator	Elevator

Exterior

Year Built	Built 2017
Exterior Material	Wood Siding
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	3,354 sqft (0.076 acres)
Lot Dimensions	7.5 ft deep x 4.5 ft wide
Garage Type	Finished
Garage Area	594 sqft
Porch	Porch
Porch Area	1,585 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1004007
Street Address	71 CEDAR POST RD
City	SANTA ROSA BEACH
State	FL
Zip	32459-7511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 BLK 4 DRAPER LAKE S/D PB 16-7 OR 2625-382 OR 2830-2332 OR 2832-696 OR 2855-4078 OR 2885-1520 OR 2941-2518 OR 3164-3883
Legal Range	20W
Legal Township	03S
Legal Section	02
Legal Subdivision	DRAPER LAKE
Legal Block	4
Legal Lot Number	10
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1034
Census Tract	950606

Owner

Source: Walton County records, as of December 17, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	71 CEDAR POST RD, SANTA ROSA BEACH, FL 32459-7511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2023	Warranty Deed, Transfer EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC
Apr 5, 2019	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
Oct 19, 2020	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 9, 2018	Loan Modification, Mortgage HANCOCK BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2023 · Amount on Record
Deed Sale	Mar 24, 2023 · Amount on Record
Prior Sale	Oct 19, 2020 · Amount on Record
Deed Document Number	20230010100
Deed Book / Page	3284 / 2120
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 24, 2023
Property Address	71 CEDAR POST RD, SANTA ROSA BEACH, FL 32459-7511
Document Number	0032842120
Book / Page	3284 / 2120
Map Reference	MB 16 PG 7-7B
Instrument Date	Mar 23, 2023
Instrument	20230010100
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$18,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	426 E 31ST AVE, COVINGTON, LA 70433-2202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	79 CEDAR POST RD, SANTA ROSA BEACH, FL 32459-7511

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	71 CEDAR POST RD, SANTA ROSA BEACH, FL 32459-7511
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031013613
Date	Apr 5, 2019
Book Page	3101/3613
Instrument	20190010493

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 19, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 19, 2020
Property Address	71 CEDAR POST RD, SANTA ROSA BEACH, FL 32459-7511
Document Number	0031643883
Book / Page	3164 / 3883
Map Reference	MB 16 PG 7-7B
Instrument Date	Oct 14, 2020
Instrument	20200041530
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,095.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	71 CEDAR POST RD, 71, SANTA ROSA BEACH, FL 32459-7511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2441 LAKESHORE DR, MANDEVILLE, LA 70448-5737

Mortgage

Document Number	0031643885
Date	Oct 19, 2020
Instrument	3164/3885

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.12%
Type Change Date	Nov 1, 2023
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.12%
Index	Other
Max Rate	7.12%

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	71 CEDAR POST RD, SANTA ROSA BEACH, FL 32459-7511
Document Number	0030650713
Instrument Date	Jan 9, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0030650713
Date	Feb 9, 2018
Book Page	003065/000713
Instrument	4344

Lender

Name	HANCOCK BK
Type	Bank
Address	FLINT, MI 48501-2026

Agreement

Amount	Amount Recorded
Term	336 Months
Due	Feb 8, 2046

Interest

Rate Type	Fixed Rate
Rate	3.37%

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$2,678,166 (+1.43%) Land $480,000 Building $2,198,166	$2,678,166 (+1.43%) Land $480,000 Building $2,198,166
2024	$19,202.00 (+3.05%)
2023	$18,633.00 (+12.13%)	$2,640,458 (+17.91%) Land $420,000 Building $2,220,458	$2,640,458 (+17.91%) Land $420,000 Building $2,220,458
2022	$16,618.00	$2,239,404 Land $291,375 Building $1,948,029	$2,239,404 Land $291,375 Building $1,948,029

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 413 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	725 units insured incl. 312 condo units
Nearby Flood Claims	12 (2005–2025)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 3 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 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% 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 198 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	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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