89 E Bermuda Dr, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 89 E Bermuda Dr, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 3,541 sqft · built 2015
Lot Size	0.19 acres (8,287 sqft)
Owner	2 Individual Names on File
Last Sale	$2,200,000 (Aug 2020)
Tax Bill	$28,622 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Aug 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-3S-20-34700-000-0860`

Property Details

APN / Parcel Number

Primary APN	`12-3S-20-34700-000-0860`
Alternative APNs	`12-320-34700-000-0860` `1017845`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,541 sqft Living Area
Gross Area	4,790 sqft
1st Floor Area	1,729 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Concrete
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	8,287 sqft (0.19 acres)
Garage Type	Attached
Garage Area	495 sqft
Driveway	Brick Driveway
Porch	Finished Screened Porch
Porch Area	754 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	89 E BERMUDA DR
City	SANTA ROSA BEACH
State	FL
Zip	32459-7522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TND
Legal Description	LOT 86 THE RETREAT S/D PB 14-4 OR 2036-412 OR 2867-3584 OR 2915-4279 OR 2924-3904 OR 3157-1320
Legal Range	020
Legal Township	03S
Legal Section	12
Legal Subdivision	THE RETREAT
Legal Block	8
Legal Lot Number	86
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1035
Census Tract	950606

Owner

89 E Bermuda Dr is owned by two individuals who bought it in August 2020.

Source: Walton County records, as of December 3, 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	2 Individual Names on File
Mailing Address	8331 HUNTERS CREEK DR, HOUSTON, TX 77024-3202
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Aug 31, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Mar 6, 2018	Deed of Trust, Mortgage · Line of Credit REGIONS BK/FAYETTE
Mar 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BK/FAYETTE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2020 · Amount on File
Deed Sale	Aug 31, 2020 · Amount on File
Prior Sale	Jan 1, 2016 · Amount on File
Deed Document Number	202033109
Deed Book / Page	3157 / 1320
Prior Transfer Date	Jan 20, 2016
Prior Transfer Doc	0030020622
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	89 E BERMUDA DR, SANTA ROSA BEACH, FL 32459-7522
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8331 HUNTERS CREEK DR, HOUSTON, TX 77024-3202

Mortgage

Document Number	0032402442
Date	Feb 25, 2022
Book Page	3240/2442
Instrument	20220009004

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Mar 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.25%
Index	Other
Max Rate	7.25%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 31, 2020
Property Address	89 E BERMUDA DR, SANTA ROSA BEACH, FL 32459-7522
Document Number	0031571320
Book / Page	3157 / 1320
Map Reference	MB 14 PG 4&4A
Instrument Date	Aug 28, 2020
Instrument	20200033109
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	56 BLUE MOUNTAIN RD, 56, POINT WASHINGTON, FL 32459-5176

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 E BERMUDA DR, SANTA ROSA BEACH, FL 32459-7522

Mortgage

Document Number	0031571322
Date	Aug 31, 2020
Instrument	3157/1322

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Max Rate	7.75%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	89 E BERMUDA DR, SANTA ROSA BEACH, FL 32459-7522
Document Number	0030682452
Instrument Date	Mar 6, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	RELI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	89 E BERMUDA DR SANTA ROSA BEACH FL 324597522, SANTA ROSA BEACH, FL 32459-7522

Mortgage

Document Number	0030682452
Date	Mar 20, 2018
Book Page	003068/002452
Instrument	8978

Lender

Name	REGIONS BK/FAYETTE
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2048

Interest

Rate Type	Adjustable Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	89 E BERMUDA DR, SANTA ROSA BEACH, FL 32459-7522
Document Number	0030682437
Instrument Date	Mar 6, 2018
Transaction Type	Mortgage
Record Updated	Apr 3, 2018
Title Company	RELI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	89 E BERMUDA DR SANTA ROSA BEACH FL 324597522, SANTA ROSA BEACH, FL 32459-7522

Mortgage

Document Number	0030682437
Date	Mar 20, 2018
Book Page	003068/002437
Instrument	8975

Lender

Name	REGIONS BK/FAYETTE
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Mar 19, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 89 E Bermuda Dr was $28,622, up 13.6% 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	$28,622.00 (+13.59%)	$3,956,743 Land $897,750 Building $3,058,993	$3,956,743 Land $897,750 Building $3,058,993
2024	$25,198.00 (+15.41%)
2023	$21,833.00 (+5.84%)	$2,819,887 (+6.67%) Land $648,900 Building $2,170,987	$2,819,887 (+6.67%) Land $648,900 Building $2,170,987
2022	$20,628.00	$2,643,552 Land $720,279 Building $1,923,273	$2,643,552 Land $720,279 Building $1,923,273

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 89 E Bermuda Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 413 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	725 units insured incl. 312 condo units
Nearby Flood Claims	12 (2005–2025)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 3 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

Wildfire risk around 89 E Bermuda Dr is low, with a 0.01% annual chance of wildfire.

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.

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 369 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 in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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