Walton County property record for 88 Windward Ln, Inlet Beach, FL 32461
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,828 sqft · built 2001 |
| Lot Size | 0.105 acres (4,617 sqft) |
| Owner | Company Name on Record |
| Last Sale | $9,900,000 (Apr 2022) |
| Tax Bill | $70,124 (2023) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Feb 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-3S-18-16061-004-0070 |
| Primary APN | 35-3S-18-16061-004-0070 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,828 sqft Living Area |
| Gross Area | 3,796 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Wood Siding |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 4,617 sqft (0.105 acres) |
| Lot Dimensions | 10.2 ft deep x 6.6 ft wide |
| Garage Area | 484 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 1,019 sqft |
| Deck Area | Deck Area |
| Fence | Fence |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1080236 |
|---|---|
| Street Address | 88 WINDWARD LN |
| City | INLET BEACH |
| State | FL |
| Zip | 32461-5002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 BLK 4 REPLAT OF REPLAT OF ROSEMARY BEACH PH 2 PB 12-31 OR 1836-310 OR 2606-4497 OR 2841-4031 OR 3156-227 OR 3181-3397 |
| Legal Range | 18W |
| Legal Township | 03S |
| Legal Section | 35 |
| Legal Subdivision | ROSEMARY BEACH PH 2 REP |
| Legal Phase | 2 |
| Legal Block | 4 |
| Legal Lot Number | 7 |
| 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 | Company Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 13123 E EMERALD COAST PKWY # B144, B144, INLET BEACH, FL 32461-9604 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Apr 8, 2022 | Warranty Deed, Transfer · Conventional Mortgage KEY BANK NA |
| Feb 4, 2021 | Warranty Deed, Transfer AQUA TITLE SERVICES |
| Aug 20, 2020 | Warranty Deed, Construction Loan · Construction Mortgage SOUTHERN STATES BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 8, 2022 · Amount on Record |
| Deed Sale | Apr 8, 2022 · Amount on Record |
| Prior Sale | Feb 4, 2021 · Amount on Record |
| Deed Document Number | 20220016644 |
| Deed Book / Page | 3247 / 160 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Apr 8, 2022 |
| Property Address | 88 WINDWARD LN, INLET BEACH, FL 32461-5002 |
| Document Number | 0032470160 |
| Book / Page | 3247 / 160 |
| Map Reference | MB 12 PG 31&31A |
| Instrument Date | Apr 6, 2022 |
| Instrument | 20220016644 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | AQUA TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $69,300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 136 ASH ST, 136, DENVER, CO 80220-5619 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 47 E ORANGE ST, CHAGRIN FALLS, OH 44022-2732 |
| Document Number | 0003247164 |
|---|---|
| Date | Apr 8, 2022 |
| Instrument | 3247/164 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | May 6, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.62% |
| Index | Other |
| Margin | 3 |
| Max Rate | 8.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Feb 4, 2021 |
| Property Address | 88 WINDWARD LN, INLET BEACH, FL 32461-5002 |
| Document Number | 0031813397 |
| Book / Page | 3181 / 3397 |
| Map Reference | MB 12 PG 31&31A |
| Instrument Date | Feb 1, 2021 |
| Instrument | 20210005352 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | AQUA TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Tax | $56,892.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2096 MYRTLEWOOD DR, 2096, MONTGOMERY, AL 36111-1000 |
| Name | Verified Name |
|---|---|
| Address | 136 ASH ST, DENVER, CO 80220-5619 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Aug 20, 2020 |
| Property Address | 88 WINDWARD LN, INLET BEACH, FL 32461-5002 |
| Document Number | 0031560227 |
| Book / Page | 3156 / 227 |
| Map Reference | MB 12 PG 31 |
| Instrument Date | Aug 13, 2020 |
| Instrument | 20200031579 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 30, 2021 |
| Title Company | COASTAL TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $34,300.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 105 BROWNS RDG, 105, MACON, GA 31210-8614 |
| Name | Verified Name |
|---|---|
| Address | 2096 MYRTLEWOOD DR, MONTGOMERY, AL 36111-1000 |
| Document Number | 0003156230 |
|---|---|
| Date | Aug 20, 2020 |
| Instrument | 3156/230 |
| Name | SOUTHERN STATES BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $7,974,861 (+3.33%) Land $5,016,000 Building $2,958,861 | $7,974,861 (+3.33%) Land $5,016,000 Building $2,958,861 | |
| 2023 | $70,124.00 (-4.08%) | $7,717,485 (-2.17%) Land $4,702,500 Building $3,014,985 | $7,717,485 (-2.17%) Land $4,702,500 Building $3,014,985 |
| 2022 | $73,106.00 | $7,888,573 Land $5,215,266 Building $2,673,307 | $7,888,573 Land $5,215,266 Building $2,673,307 |
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 100 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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond 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 429 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 | 2,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: REV, Verizon, Wildstar Networks, WOW Internet, Cable & Phone, Xfinity.
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