87 Chance Ln, Inlet Beach, FL 32461 Property Records

Walton County property record for 87 Chance Ln, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,721 sqft · built 2006
Lot Size	0.203 acres (8,886 sqft)
Owner	Individual Name on Record
Last Sale	$725,000 (Nov 2018)
Tax Bill	$5,790 (2024)
Deeds & Mortgages	Jul 2020 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-3S-18-16100-000-0050`

Property Details

APN / Parcel Number

Primary APN	`21-3S-18-16100-000-0050`
Alternative APN	`1038382`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,721 sqft Living Area
Gross Area	3,649 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2006
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Tin
Lot Area	8,886 sqft (0.203 acres)
Lot Dimensions	13.1 ft deep x 6.9 ft wide
Garage Type	Carport
Garage Area	550 sqft
Carport	Carport
Porch	Porch
Porch Area	378 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1038382
Street Address	87 CHANCE LN
City	INLET BEACH
State	FL
Zip	32461-0702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 LANDING AT CAMP CREEK S/D PB 14-64 OR 2313-970 OR 2642-3723 OR 2724-3610 OR 3091-1753
Legal Range	18W
Legal Township	03S
Legal Section	21
Legal Subdivision	LANDING AT CAMP CREEK S/D
Legal Lot Number	5
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1042
Census Tract	950610

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
Mailing Address	87 CHANCE LN, INLET BEACH, FL 32461-0702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 30, 2018	Warranty Deed, Transfer FIRST FLORIDA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2018 · Amount on Record
Deed Sale	Nov 30, 2018 · Amount on Record
Prior Sale	Jun 29, 2006 · Amount on Record
Deed Document Number	2018000039780
Deed Book / Page	3091 / 1753
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	87 CHANCE LN, INLET BEACH, FL 32461-0702
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031484845
Date	Jul 2, 2020
Book Page	3148/4845
Instrument	20200023399

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

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

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 30, 2018
Property Address	87 CHANCE LN, INLET BEACH, FL 32461-0702
Document Number	0030911753
Book / Page	3091 / 1753
Map Reference	MB14 PG64
Instrument Date	Nov 26, 2018
Instrument	2018000039780
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	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	134 CHANCE LN, 134, ROSEMARY BEACH, FL 32461-0738

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 CHANCE LN, ROSEMARY BEACH, FL 32461-0702

Mortgage

Document Number	2018000039782
Date	Nov 30, 2018
Instrument	2018000039782

Lender

Name	FIRST FLORIDA BANK
Type	Bank

Agreement

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		$1,340,018 (+13.86%) Land $360,000 Building $980,018	$1,340,018 (+13.86%) Land $360,000 Building $980,018
2024	$5,790.00 (+3.73%)
2023	$5,582.00 (+1.16%) Homeowner's exemption	$1,176,929 (+8.72%) Land $173,892 Building $1,003,037	$1,176,929 (+8.72%) Land $173,892 Building $1,003,037
2022	$5,518.00 Homeowner's exemption	$1,082,534 Land $193,020 Building $889,514	$1,082,534 Land $193,020 Building $889,514

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 645 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,249 units insured incl. 604 condo units
Nearby Flood Claims	16 (2004–2023)
Claims Outside the SFHA	10 of 16
Most Recent Claim	Aug 2023 · other causes
Claims by Event	Hurricane Sally, Sep 2020 · 2 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 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.1% 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 111 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: Wildstar Networks.

Cell Coverage

5G (outdoors only) and 4G LTE

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