89 Pointe Dr, Santa Rosa Beach, FL 32459 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,296 sqft · built 1994
Lot Size	0.132 acres (5,750 sqft)
Owner	2 Trust Names on File
Last Sale	$650,000 (Aug 2020)
Tax Bill	$8,985 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-3S-20-34330-000-0060`

Property Details

APN / Parcel Number

Primary APN	`03-3S-20-34330-000-0060`
Alternative APNs	`03-320-34330-000-0060` `1006000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,296 sqft Living Area
Gross Area	3,547 sqft
1st Floor Area	804 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2000
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	105 ft deep x 55 ft wide
Porch	Slab
Porch Area	1,517 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	89 POINTE DR
City	SANTA ROSA BEACH
State	FL
Zip	32459-4315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 6 CALYPSO POINTE S/D PB 8-38 OR 1000-185 OR 1495-147 OR 2971-3096 OR 3156-3639
Legal Range	020
Legal Township	03S
Legal Section	03
Legal Subdivision	CALYPSO POINTE
Legal Lot Number	6
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1004
Census Tract	950604

Owner

89 Pointe Dr is held in a trust since August 2020.

Source: Walton County records, as of July 22, 2026

Owner of Record	2 Trust Names on File
Mailing Address	2031 UPLAND DR, FRANKLIN, TN 37067-4090
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2020	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Aug 25, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2020 · Amount on File
Deed Sale	Aug 25, 2020 · Amount on File
Prior Sale	Feb 20, 2015 · Amount on File
Deed Document Number	202032362
Deed Book / Page	3156 / 3639
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	89 POINTE DR, SANTA ROSA BEACH, FL 32459-4315
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2031 UPLAND DR, FRANKLIN, TN 37067-4090

Mortgage

Document Number	0031640014
Date	Oct 14, 2020
Book Page	3164/14
Instrument	20200040686

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Sep 14, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 25, 2020
Property Address	89 POINTE DR, SANTA ROSA BEACH, FL 32459-4315
Document Number	0031563639
Book / Page	3156 / 3639
Map Reference	MB 8 PG 38&38A
Instrument Date	Aug 21, 2020
Instrument	20200032362
Transaction Type	Transfer
Record Updated	Aug 2, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 25732, LITTLE ROCK, AR 72221-5732

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2031 UPLAND DR, FRANKLIN, TN 37067-4090

Mortgage

Document Number	0031563641
Date	Aug 25, 2020
Instrument	3156/3641

Lender

Name	FIRSTBANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 89 Pointe Dr was $8,985, up 4.4% 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	$8,985.00 (+4.42%)	$1,060,433 Land $375,000 Building $685,433	$1,060,433 Land $375,000 Building $685,433
2024	$8,605.00 (+11.52%)
2023	$7,716.00 (+6.74%)	$935,635 (+8.02%) Land $160,173 Building $775,462	$935,635 (+8.02%) Land $160,173 Building $775,462
2022	$7,229.00	$866,175 Land $177,792 Building $688,383	$866,175 Land $177,792 Building $688,383

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

Flood

FEMA maps place 89 Pointe Dr in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1995.

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 File median of 294 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	579 units insured incl. 285 condo units
Nearby Flood Claims	11 (1995–2025)
Claims Outside the SFHA	3 of 11
Most Recent Claim	Jan 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 5 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 Pointe Dr is low, with a 0.02% 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	0.02% 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 216 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
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50

May also be available: T-Mobile.

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