72 Summit Dr, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 72 Summit Dr, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,560 sqft · built 2005
Lot Size	0.133 acres (5,788 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,690,000 (Apr 2024)
Tax Bill	$11,055 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jan 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-3S-20-34820-000-0050`

Property Details

APN / Parcel Number

Primary APN	`03-3S-20-34820-000-0050`
Alternative APNs	`03-320-34820-000-0050` `1006583`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,560 sqft Living Area
Gross Area	3,832 sqft
1st Floor Area	1,270 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,788 sqft (0.133 acres)
Garage Type	Detached
Garage Area	440 sqft
Driveway	Brick Driveway
Porch	Open/Unfinished Porch
Porch Area	832 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	72 SUMMIT DR
City	SANTA ROSA BEACH
State	FL
Zip	32459-4281
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SN
Legal Description	LOT 5 SUMMER RIDGE PB 15-15 OR 2681-3116 OR 3019-4504 OR 3161-4899 OR 3320-3385
Legal Range	20W
Legal Township	03S
Legal Section	03
Legal Subdivision	SUMMER RIDGE
Legal Block	E
Legal Lot Number	5
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1002
Census Tract	950604

Owner

Source: Walton County records, as of April 2, 2026

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	2 Individual Names on Record
Mailing Address	72 SUMMIT DR, SANTA ROSA BEACH, FL 32459-4281
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2024	Deed of Trust, Mortgage · Conventional Mortgage TRUSTMARK NATIONAL BANK
Jan 10, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 1, 2020	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2024 · Amount on Record
Deed Sale	Apr 5, 2024 · Amount on Record
Prior Sale	Oct 1, 2020 · Amount on Record
Deed Document Number	202411751
Deed Book / Page	3320 / 3385
Prior Transfer Date	Jul 21, 2005
Prior Transfer Doc	0026813118
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	72 SUMMIT DR, SANTA ROSA BEACH, FL 32459-4281
Transaction Type	Mortgage
Record Updated	May 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 LAUREL MOUNTAIN WAY, CALIFON, NJ 07830-3028
Investor	Possibly a Property Investor

Mortgage

Document Number	OR33203387
Date	Apr 5, 2024
Book Page	OR3320/3387
Instrument	20240011752

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	PO BOX 22869, JACKSON, MS 39225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.3%
Index	Other
Margin	3
Max Rate	11.3%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	72 SUMMIT DR, SANTA ROSA BEACH, FL 32459-4281
Transaction Type	Mortgage
Record Updated	Feb 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 SUMMIT DR, SANTA ROSA BEACH, FL 32459-4281

Mortgage

Document Number	0032334399
Date	Jan 10, 2022
Book Page	3233/4399
Instrument	20220001144

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Dec 8, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 1, 2020
Property Address	72 SUMMIT DR, SANTA ROSA BEACH, FL 32459-4281
Document Number	0031614899
Book / Page	3161 / 4899
Map Reference	MB 15 PG 15
Instrument Date	Sep 30, 2020
Instrument	20200038433
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	$5,285.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 TUSCANY WAY, 104, PANAMA CITY BEACH, FL 32407-2877

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	72 SUMMIT DR, SANTA ROSA BEACH, FL 32459-4281

Mortgage

Document Number	0031614901
Date	Oct 1, 2020
Instrument	3161/4901

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

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	$11,055.00 (+83.46%)	$1,262,089 (+15.39%) Land $205,000 Building $1,057,089	$1,262,089 (+15.39%) Land $205,000 Building $1,057,089
2024	$6,026.00 (+3.72%)
2023	$5,810.00 (+1.15%) Homeowner's exemption	$1,093,804 (+8.64%) Land $158,120 Building $935,684	$1,093,804 (+8.64%) Land $158,120 Building $935,684
2022	$5,744.00 Homeowner's exemption	$1,006,856 Land $175,513 Building $831,343	$1,006,856 Land $175,513 Building $831,343

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 294 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	579 units insured incl. 285 condo units
Nearby Flood Claims	11 (1995–2025)
Claims Outside the SFHA	3 of 11
Most Recent Claim	Jan 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 5 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 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 161 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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