Walton County property record for 86 Sand Cliffs Dr, Inlet Beach, FL 32461
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,176 sqft · built 1979 |
| Lot Size | 0.244 acres (10,629 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $256,000 (Sep 2011) |
| Tax Bill | $2,283 (2024) |
| Deeds & Mortgages | Dec 2017 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-3S-18-16052-0BB-0050 |
| Primary APN | 27-3S-18-16052-0BB-0050 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,176 sqft Living Area |
| Gross Area | 3,216 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 10,629 sqft (0.244 acres) |
| Lot Dimensions | 13 ft deep x 8.2 ft wide |
| Garage Type | Finished |
| Garage Area | 688 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 72 sqft |
| Patio Area | 280 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1057365 |
|---|---|
| Street Address | 86 SAND CLIFFS DR |
| City | INLET BEACH |
| State | FL |
| Zip | 32461-7107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 BLK BB SAND CLIFFS S/D 1ST ADD PB 5-29 OR 2874-2315 |
| Legal Range | 18W |
| Legal Township | 03S |
| Legal Section | 27 |
| Legal Subdivision | SAND CLIFFS S/D |
| Legal Block | BB |
| Legal Lot Number | 5 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 950611 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 86 SAND CLIFFS DR, PANAMA CITY BEACH, FL 32461-7107 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 13, 2017 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Sep 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 27, 2011 · Amount on Record |
| Deed Sale | Sep 27, 2011 · Amount on Record |
| Deed Document Number | 1170181 |
| Deed Book / Page | 2874 / 2315 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 86 SAND CLIFFS DR, INLET BEACH, FL 32461-7107 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030593935 |
|---|---|
| Date | Dec 13, 2017 |
| Book Page | 3059/3935 |
| Instrument | 2017000040731 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 86 SAND CLIFFS DR, INLET BEACH, FL 32461-7107 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 86 SAND CLIFFS DR, ROSEMARY BCH, FL 32461-7107 |
| Document Number | 0031603575 |
|---|---|
| Date | Sep 22, 2020 |
| Book Page | 3160/3575 |
| Instrument | 20200037002 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
Source: Walton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,587,758 (+32.16%) Land $1,121,250 Building $466,508 | $1,587,758 (+32.16%) Land $1,121,250 Building $466,508 | |
| 2024 | $2,283.00 (+4.06%) | ||
| 2023 | $2,194.00 (+1.39%) Homeowner's exemption | $1,201,379 (+21.02%) Land $713,000 Building $488,379 | $1,201,379 (+21.02%) Land $713,000 Building $488,379 |
| 2022 | $2,164.00 Homeowner's exemption | $992,744 Land $561,072 Building $431,672 | $992,744 Land $561,072 Building $431,672 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 846 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1,737 units insured incl. 891 condo units |
| Nearby Flood Claims | 9 (2004–2020) |
| Claims Outside the SFHA | 4 of 9 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 96 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 | 1,000 / 50 |
May also be available: AT&T, Verizon, Wildstar Networks.
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