Walton County property record for 89 Kaiya Ave, Inlet Beach, FL 32461
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5.5 ba · 4,529 sqft · built 2020 |
| Lot Size | 0.175 acres (7,623 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $5,772,500 (May 2026) |
| Tax Bill | $35,312 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Mar 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-3S-18-16810-000-0310 |
| Primary APN | 27-3S-18-16810-000-0310 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,529 sqft Living Area |
| Gross Area | 7,689 sqft |
| 1st Floor Area | 2,102 sqft |
| Flooring | Wood |
| Interior Walls | Paneling |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Other |
| Lot Area | 7,623 sqft (0.175 acres) |
| Lot Dimensions | 140 ft deep x 55 ft wide |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Porch | Finished/Open Porch |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 89 KAIYA AVE |
|---|---|
| City | INLET BEACH |
| State | FL |
| Zip | 32461-8271 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TND |
| Legal Description | LOT 31 KAIYA BEACH RESORT PHASE 1 PB 21-31 OR 3149-962 OR 3186-4208 |
| Legal Range | 018 |
| Legal Township | 03S |
| Legal Section | 27 |
| Legal Subdivision | KAIYA BEACH |
| Legal Phase | 1 |
| Legal Block | 3 |
| Legal Lot Number | 31 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 950611 |
Source: Walton County records, as of June 12, 2026
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 | 1515 SPRING ST SE, SMYRNA, GA 30080-3681 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 28, 2026 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK |
| Mar 9, 2021 | Warranty Deed, Transfer BURKE LAW AND TITLE LLC |
| Jul 6, 2020 | Special Warranty Deed, Transfer · Conventional Mortgage WHITNEY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2026 · Amount on Record |
| Deed Sale | May 28, 2026 · Amount on Record |
| Prior Sale | Mar 9, 2021 · Amount on Record |
| Deed Document Number | 202621847 |
| Deed Book / Page | 3399 / 4568 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | May 28, 2026 |
| Property Address | 89 KAIYA AVE, INLET BEACH, FL 32461-8271 |
| Document Number | 0033994568 |
| Book / Page | 3399 / 4568 |
| Instrument Date | May 27, 2026 |
| Instrument | 202621847 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | WATERSOUND TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,081,157.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1515 SPRING ST SE, SMYRNA, GA 30080-3681 |
| Document Number | 0000021848, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 202621848 |
| Name | JPMORGAN CHASE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 9, 2021 |
| Property Address | 89 KAIYA AVE, INLET BEACH, FL 32461-8271 |
| Document Number | 0031864208 |
| Book / Page | 3186 / 4208 |
| Map Reference | MB 21 PG 31-33 |
| Instrument Date | Mar 5, 2021 |
| Instrument | 20210011145 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | BURKE LAW AND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $28,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4511 JOHN AVE, DESTIN, FL 32541-3635 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 13123 E EMERALD COAST PKWY # B-201, B, INLET BEACH, FL 32461-9635 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jul 6, 2020 |
| Property Address | 89 KAIYA AVE, INLET BEACH, FL 32461-8271 |
| Document Number | 0031490962 |
| Book / Page | 3149 / 962 |
| Map Reference | MB 21 PG 3-33 |
| Instrument Date | Jul 2, 2020 |
| Instrument | 20200023716 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | BURKE LAW AND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $21,301.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13123 E EMERALD COAST PKWYB, 13123, INLET BEACH, FL 32461 |
| Name | Verified Name |
|---|---|
| Address | 4511 JOHN AVE, DESTIN, FL 32541-3635 |
| Document Number | 0003149966 |
|---|---|
| Date | Jul 6, 2020 |
| Instrument | 3149/966 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Aug 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.87% |
| Index | 1-Year LIBOR |
| Max Rate | 8.87% |
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 | $35,312.00 Homeowner's exemption | $3,946,750 (-9.86%) | $4,363,816 (-0.33%) Land $958,250 Building $3,405,566 |
| 2023 | $39,782.00 (+5.59%) | $4,378,252 (+7.69%) Land $963,463 Building $3,414,789 | $4,378,252 (+7.69%) Land $963,463 Building $3,414,789 |
| 2022 | $37,677.00 | $4,065,557 Land $1,069,444 Building $2,996,113 | $4,065,557 Land $1,069,444 Building $2,996,113 |
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 |
|---|---|
| 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 | Moderate above 57% of the US · lower than 69% 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.
Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
May also be available: Mediacom Xtream, REV, Wildstar Networks, WOW Internet, Cable & Phone.
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