Walton County property record for 93 Elbow Beach Rd, Inlet Beach, FL 32461
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.107 acres (4,661 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,695,000 (Sep 2021) |
| Tax Bill | $23,910 (2024) |
| Deeds & Mortgages | Apr 2024 Construction Loan Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-3S-18-16406-0UU-0060 |
| Primary APN | 26-3S-18-16406-0UU-0060 |
|---|
| Lot Area | 4,661 sqft (0.107 acres) |
|---|---|
| Lot Dimensions | 10 ft deep x 4.7 ft wide |
| Street Address | 93 ELBOW BEACH RD |
|---|---|
| City | INLET BEACH |
| State | FL |
| Zip | 32461-8328 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | LOT 6 BLK UU ALYS BEACH PHASE IIIA: BLOCK UU & VV PB 23-61 OR 3217-1635 |
| Legal Subdivision | ALYS BEACH PHASE |
| Legal Block | 6 |
| Legal Lot Number | 6 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 950611 |
93 Elbow Beach Rd, vacant land, is owned by an individual who bought it in September 2021.
Source: Walton County records, as of December 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | PO BOX 460334, GLENDALE, CO 80246-0334 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 24, 2024 | Deed of Trust, Mortgage · Construction Mortgage MIDFLORIDA CU |
| Sep 21, 2021 | Special Warranty Deed, Transfer · Stand-Alone First Mortgage FAIRWINDS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 21, 2021 · Amount on File |
| Deed Sale | Sep 21, 2021 · Amount on File |
| Deed Document Number | 20210047427 |
| Deed Book / Page | 3217 / 1635 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 93 ELBOW BEACH RD, INLET BEACH, FL 32461-8328 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 460334, GLENDALE, CO 80246-0334 |
| Document Number | 0033223089 |
|---|---|
| Date | Apr 24, 2024 |
| Book Page | 3322/3089 |
| Instrument | 20240014189 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | PO BOX 8008, LAKELAND, FL 33802 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 385 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2036 |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 8.5% |
| Index | 1-Year CMT |
| Max Rate | 10.5% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Sep 21, 2021 |
| Property Address | 93 ELBOW BEACH RD, INLET BEACH, FL 32461-8328 |
| Document Number | 0032171635 |
| Book / Page | 3217 / 1635 |
| Map Reference | MB 23 PG 61&62 |
| Instrument Date | Aug 30, 2021 |
| Instrument | 20210047427 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2025 |
| Title Company | ELIM TITLE LLC, RELI TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $11,865.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 615500, ALYS BEACH, FL 32461 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 460334, GLENDALE, CO 80246-0334 |
| Document Number | 0032171638 |
|---|---|
| Date | Sep 21, 2021 |
| Instrument | 3217/1638 |
| Name | FAIRWINDS CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 1, 2031 |
Source: Walton County assessment roll, as of July 1, 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 | $2,115,000 Land $2,115,000 | $2,115,000 Land $2,115,000 | |
| 2024 | $23,910.00 (+9.5%) | ||
| 2023 | $21,835.00 (+8.86%) | $2,091,500 (+15.15%) Land $2,091,500 | $2,091,500 (+15.15%) Land $2,091,500 |
| 2022 | $20,057.00 | $1,816,382 Land $1,816,382 | $1,816,382 Land $1,816,382 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 93 Elbow Beach Rd in Zone X, an area of minimal flood risk, within 500 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 VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 93 Elbow Beach Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 177 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| WOW Internet, Cable & Phone Fiber | 1,000 / 50 |
May also be available: AT&T, Mediacom Xtream, T-Mobile, Verizon, Wildstar Networks.
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