Walton County property record for 89 Flatwoods Forest Loop, Santa Rosa Beach, FL 32459
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,528 sqft · built 2015 |
| Lot Size | 0.196 acres (8,538 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $711,900 (Jul 2015) |
| Tax Bill | $8,122 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Aug 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-3S-19-25010-000-1070 |
| Primary APN | 11-3S-19-25010-000-1070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,528 sqft Living Area |
| Gross Area | 3,646 sqft |
| 1st Floor Area | 1,255 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Concrete |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Other |
| Lot Area | 8,538 sqft (0.196 acres) |
| Lot Dimensions | 154 ft deep x 43 ft wide |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Driveway | Brick Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 866 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 89 FLATWOODS FOREST LOOP |
|---|---|
| City | SANTA ROSA BEACH |
| State | FL |
| Zip | 32459-8846 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 107 NATUREWALK AT SEAGROVE PB 17-34 REPLAT IN PB 18-8 OR 2844-4432 OR 2983-2304 OR 3081-2747 |
| Legal Range | 019 |
| Legal Township | 03S |
| Legal Section | 11 |
| Legal Subdivision | SEAGROVE |
| Legal Block | 10 |
| Legal Lot Number | 107 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 950610 |
Source: Walton County records, as of December 3, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 89 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8846 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 16, 2025 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Aug 7, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2015 · Amount on Record |
| Deed Sale | Jul 1, 2015 · Amount on Record |
| Deed Document Number | 20151328664 |
| Deed Book / Page | 2983 / 2304 |
| Last Transfer Date | Aug 2, 2018 |
| Transfer Doc | 0030812747 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 89 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8846 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 89 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8846 |
| Document Number | 0033742168 |
|---|---|
| Date | Oct 16, 2025 |
| Book Page | 3374/2168 |
| Instrument | 20250037741 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 25, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Aug 7, 2018 |
| Property Address | 89 FLATWOODS FOREST LOOP, SANTA ROSA BEACH, FL 32459-8846 |
| Document Number | 0030812747 |
| Book / Page | 003081 / 002747 |
| Instrument Date | Aug 2, 2018 |
| Instrument | 26365 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 89 FLATWOODS FOREST LOOP SANTA ROSA BEACH FL 324598846, SANTA ROSA BEACH, FL 32459-8846 |
Source: Walton County assessment roll, as of December 3, 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 | $8,122.00 (+1.31%) Homeowner's exemption | $652,114 (-47.48%) | $1,077,224 (-13.25%) Land $294,000 Building $783,224 |
| 2024 | $8,017.00 (+5.96%) | ||
| 2023 | $7,566.00 (+0.8%) Homeowner's exemption | $1,241,749 (+6.53%) Land $292,861 Building $948,888 | $1,241,749 (+6.53%) Land $292,861 Building $948,888 |
| 2022 | $7,506.00 Homeowner's exemption | $1,165,678 Land $325,076 Building $840,602 | $1,165,678 Land $325,076 Building $840,602 |
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 A, within 100 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 |
|
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 | Moderate above 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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.
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 190 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: CenturyLink.
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