85 Our St, Vernon, FL 32462 Property Records

Walton County property record for 85 Our St, Vernon, FL 32462

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 832 sqft · built 1988
Lot Size	0.215 acres (9,365 sqft)
Owner	Company Name on File
Last Sale	$255,000 (Jun 2026)
Tax Bill	$694 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`19-2S-18-15010-000-0960`

Property Details

APN / Parcel Number

Primary APN	`19-2S-18-15010-000-0960`
Alternative APNs	`19-218-15010-000-0960` `1032470`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	832 sqft Living Area
Gross Area	1,008 sqft
1st Floor Area	832 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2005
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,365 sqft (0.215 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Porch	Screened/Unfinished Porch
Porch Area	176 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	85 OUR ST
City	VERNON
State	FL
Zip	32462-6338
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GA
Legal Description	COM SE/C, W 3136FT N 1808.66FT S 83 DEG 30'W 3--FT TO POB, N 125FT, S 83 DEG 30'W 75FT, S 125FT, N 83 DEG 30'E 75FT TO POB. OR 1555-223 OR 2311-1201 OR 3138-352
Legal Range	018
Legal Township	02S
Legal Section	19
Legal Subdivision	ADAIR UNRECD (BUNKER)
Legal Block	9
Legal Lot Number	960
Jurisdiction	WALTON FL
Township / Civil Division	FREEPORT
Census Block Group	3
Census Block	3062
Census Tract	950501

Owner

85 Our St is owned by a company that bought it in June 2026.

Source: Walton County records, as of June 22, 2026

Owner of Record	Company Name on File
Mailing Address	176 EMARIE GREY CIR, SANTA ROSA BEACH, FL 32459-0637
Owner Type	Company
Vesting	Limited Liability Partnership

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

Date	Document
Jun 9, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Jun 9, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Mar 26, 2020	Warranty Deed, Transfer · FHA Mortgage LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2026 · Amount on File
Deed Sale	Jun 9, 2026 · Amount on File
Prior Sale	Mar 26, 2020 · Amount on File
Deed Document Number	202623716
Deed Book / Page	3401 / 3150
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 9, 2026
Property Address	85 OUR ST, VERNON, FL 32462-6338
Document Number	0034013150
Book / Page	3401 / 3150
Instrument Date	May 29, 2026
Instrument	202623716
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	SCENIC TITLE, SCENIC TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180,285.00
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	176 EMARIE GREY CIR, SANTA ROSA BEACH, FL 32459-0637

Mortgage

Document Number	0000023718,
Date	Jun 9, 2026
Instrument	202623718

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

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

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 9, 2026
Property Address	85 OUR ST, VERNON, FL 32462-6338
Document Number	0000023716
Book / Page	3401 / 3150
Instrument Date	May 29, 2026
Instrument	202623716
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	SCENIC TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180,285.00
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	176 EMARIE GREY CIR, SANTA ROSA BEACH, FL 32459-0637

Mortgage

Document Number	0000023718,
Date	Jun 9, 2026
Instrument	202623718

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 26, 2020
Property Address	85 OUR ST, VERNON, FL 32462-6338
Document Number	0031380352
Book / Page	3138 / 352
Instrument Date	Mar 25, 2020
Instrument	20200011142
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	DIAMOND TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$602.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1039 BENT BLADE LN, 1039, WILMINGTON, NC 28411-0024

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	85 OUR ST, VERNON, FL 32462-6338

Mortgage

Document Number	0031380354
Date	Mar 26, 2020
Book Page	3138/354
Instrument	20200011143

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company
Address	CONCORD, CA 94520

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 85 Our St was $694, up 0.1% 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	$694.00 (+0.14%)	$86,484 Land $18,750 Building $67,734	$86,484 Land $18,750 Building $67,734
2024	$693.00 (+8.28%)
2023	$640.00 (+2.07%)	$82,623 (+0.3%) Land $13,278 Building $69,345	$82,623 (+0.3%) Land $13,278 Building $69,345
2022	$627.00	$82,379 Land $14,739 Building $67,640	$82,379 Land $14,739 Building $67,640

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 85 Our St 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	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 26 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Sep 2020 · Hurricane Sally

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 85 Our St is moderate, ranking above 67% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 46% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Our St

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