86 Pine Cone Trl, Inlet Beach, FL 32461 Property Records

Walton County property record for 86 Pine Cone Trl, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,973 sqft · built 2023
Lot Size	0.253 acres (11,021 sqft)
Owner	Company Name on Record
Last Sale	$1,800,000 (Feb 2024)
Tax Bill	$9,010 (2024)
Deeds & Mortgages	May 2021 Mortgage Feb 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-3S-18-16110-000-0080`

Property Details

APN / Parcel Number

Primary APN	`25-3S-18-16110-000-0080`
Alternative APN	`1050713`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,973 sqft Living Area
Gross Area	4,182 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2023
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,021 sqft (0.253 acres)
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1050713
Street Address	86 PINE CONE TRL
City	INLET BEACH
State	FL
Zip	32461-9107
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 SWEET BAY S/D PB 16-41 OR 2644-2512 OR 3057-1738 OR 3235-807 OR 3314-3747
Legal Range	18W
Legal Township	03S
Legal Section	25
Legal Subdivision	SWEET BAY S/D
Legal Lot Number	8
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2035
Census Tract	950610

Owner

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

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	11039 GRANDSTONE LN, MONTGOMERY, OH 45249-3418
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
May 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Feb 5, 2024	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
Jan 19, 2022	Warranty Deed, Transfer SOUTH OAK TITLE LLC
Nov 14, 2017	Warranty Deed, Transfer · Commercial Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2024 · Amount on Record
Deed Sale	Feb 5, 2024 · Amount on Record
Prior Sale	Jan 19, 2022 · Amount on Record
Deed Document Number	20240003987
Deed Book / Page	3314 / 3747
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	86 PINE CONE TRL, INLET BEACH, FL 32461-9107
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 FOX GLOVE LN, PANAMA CITY BEACH, FL 32413-4668

Mortgage

Document Number	0031982055
Date	May 18, 2021
Book Page	3198/2055
Instrument	20210024904

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 1, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 5, 2024
Property Address	86 PINE CONE TRL, INLET BEACH, FL 32461-9107
Document Number	0033143747
Book / Page	3314 / 3747
Map Reference	MB 16 PG 41
Instrument Date	Feb 2, 2024
Instrument	20240003987
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	UNKNOWN, 30A TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	477 GRIFFIN BLVD, PANAMA CITY BEACH, FL 32413-5199

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11039 GRANDSTONE LN, MONTGOMERY, OH 45249-3418

Mortgage

Document Number	0033143749
Date	Feb 5, 2024
Instrument	3314/3749

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Mar 1, 2034
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	SOFR Average 30-Day
Max Rate	10.8%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 19, 2022
Property Address	86 PINE CONE TRL, INLET BEACH, FL 32461-9107
Document Number	0032350807
Book / Page	3235 / 807
Map Reference	MB 16 PG 41
Instrument Date	Jan 14, 2022
Instrument	20220002696
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	SOUTH OAK TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	70 RIVER RISE WAY, INLET BEACH, FL 32461-8640

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	477 GRIFFIN BLVD, PANAMA CITY BEACH, FL 32413-5199

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 14, 2017
Property Address	PINE CONE TRL, INLET BEACH, FL 32461
Document Number	0030571738
Book / Page	3057 / 1738
Map Reference	MB16 PG41&41A
Instrument Date	Nov 10, 2017
Instrument	2017000037495
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8700 FRONT BEACH RD UNIT 7205, 7205, PANAMA CITY BEACH, FL 32407-4287

Mortgage

Document Number	2017000037496
Date	Nov 14, 2017
Instrument	2017000037496

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$1,506,801 (+718.91%) Land $341,250 Building $1,165,551	$1,506,801 (+718.91%) Land $341,250 Building $1,165,551
2024	$9,010.00 (+439.2%)
2023	$1,671.00 (+83.02%)	$184,000 (+61.1%) Land $184,000	$184,000 (+61.1%) Land $184,000
2022	$913.00	$114,215 Land $114,215	$114,215 Land $114,215

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

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 412 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	412 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2020 · other causes

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 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

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 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
WOW Internet, Cable & Phone Fiber · Cable in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Mediacom Xtream, Verizon.

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