92 E Surfside Dr, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 92 E Surfside Dr, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,800 sqft · built 2017
Lot Size	0.523 acres (22,782 sqft)
Owner	2 Individual Names on Record
Last Sale	$146,000 (Sep 2014)
Tax Bill	$3,140 (2024)
Deeds & Mortgages	Mar 2022 Line of Credit Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-3S-20-34030-000-0310`

Property Details

APN / Parcel Number

Primary APN	`01-3S-20-34030-000-0310`
Alternative APN	`1001068`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,800 sqft Living Area
Gross Area	2,820 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Tin
Lot Area	22,782 sqft (0.523 acres)
Lot Dimensions	21.5 ft deep x 10.6 ft wide
Garage Type	Detached - Finished
Garage Area	600 sqft
Porch	Porch
Porch Area	420 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1001068
Street Address	92 E SURFSIDE DR
City	SANTA ROSA BEACH
State	FL
Zip	32459-4548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 31 PINES OF BLUE MOUNTAIN PB 6 PG 21, OR 978-164 OR 1410-321 OR 2946-901 OR 2960-2621
Legal Range	20W
Legal Township	03S
Legal Section	01
Legal Subdivision	BLUE MOUNTAIN
Legal Lot Number	31
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1008
Census Tract	950606

Owner

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	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	PO BOX 2444, SANTA ROSA BEACH, FL 32459-2444
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2022	Deed of Trust, Mortgage · Line of Credit EGLIN FCU
Nov 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage EGLIN FCU
Jun 23, 2017	Loan Modification, Mortgage EGLIN FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2014 · Amount on Record
Deed Sale	Sep 22, 2014 · Amount on Record
Deed Document Number	0029602621
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	92 E SURFSIDE DR, SANTA ROSA BEACH, FL 32459-4548
Transaction Type	Mortgage
Record Updated	Apr 8, 2022
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 E SURFSIDE DR, SANTA ROSA BEACH, FL 32459-4548

Mortgage

Document Number	0032441526
Date	Mar 22, 2022
Book Page	3244/1526
Instrument	20220013548

Lender

Name	EGLIN FCU
Type	Credit Union
Address	FORT WALTON BEACH, FL 32547

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	92 E SURFSIDE DR, SANTA ROSA BEACH, FL 32459-4548
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031242682
Date	Nov 18, 2019
Book Page	3124/2682
Instrument	20190040379

Lender

Name	EGLIN FCU
Type	Credit Union
Address	FORT WALTON BEACH, FL 32547

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2034

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	92 E SURFSIDE DR, SANTA ROSA BEACH, FL 32459-4548
Document Number	0030450329
Book / Page	003045 / 000329
Instrument Date	Jun 23, 2017
Transaction Type	Mortgage
Record Updated	Jul 20, 2017
Title Company	LIGHTHOUSE LAND TITLE COMPANY, LIGHTHOUSE LAND TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	92 E SURFSIDE DR SANTA ROSA BEACH FL 324594548, SANTA ROSA BEACH, FL 32459-4548

Mortgage

Document Number	0030450329
Date	Jun 27, 2017
Book Page	003045/000329
Instrument	20926

Lender

Name	EGLIN FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 26, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$1,344,348 (+3.66%) Land $605,000 Building $739,348	$1,344,348 (+3.66%) Land $605,000 Building $739,348
2024	$3,140.00 (+3.94%)
2023	$3,021.00 (+1.34%) Homeowner's exemption	$1,296,872 (+18.01%) Land $550,000 Building $746,872	$1,296,872 (+18.01%) Land $550,000 Building $746,872
2022	$2,981.00 Homeowner's exemption	$1,098,920 Land $444,000 Building $654,920	$1,098,920 Land $444,000 Building $654,920

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

Flood

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 194 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
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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