Walton County property record for 95 W Willow Mist Rd, Inlet Beach, FL 32461
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,494 sqft · built 2023 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,130,000 (Apr 2024) |
| Tax Bill | $8,275 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Apr 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-3S-18-16130-000-0360 |
| Primary APN | 25-3S-18-16130-000-0360 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,494 sqft Living Area |
| Gross Area | 3,033 sqft |
| Flooring | Tile |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 90 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 253 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 95 W WILLOW MIST RD |
|---|---|
| City | INLET BEACH |
| State | FL |
| Zip | 32461-6809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NI |
| Legal Description | LOT 36 PRESERVE AT INLET BEACH PB 17-32 OR 2705-3339 OR 3262-3131 OR 3320-465 |
| Legal Range | 18W |
| Legal Township | 03S |
| Legal Section | 25 |
| Legal Subdivision | INLET BEACH |
| Legal Block | 3 |
| Legal Lot Number | 36 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 950610 |
95 W Willow Mist Rd is owned by two individuals who bought it in April 2024.
Source: Walton County records, as of June 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1 LOCKWOOD LN, ORCHARD PARK, NY 14127-2713 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 1, 2024 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTMARK NATIONAL BANK |
| Apr 1, 2024 | Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK |
| Jun 21, 2023 | Deed of Trust, Mortgage · Construction Mortgage FIRST BANK |
| Aug 8, 2022 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2024 · Amount on File |
| Deed Sale | Apr 1, 2024 · Amount on File |
| Prior Sale | Aug 8, 2022 · Amount on File |
| Deed Document Number | 202411007 |
| Deed Book / Page | 3320 / 465 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 95 W WILLOW MIST RD, INLET BEACH, FL 32461-6809 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1 LOCKWOOD LN, ORCHARD PARK, NY 14127-2713 |
| Document Number | OR33200467 |
|---|---|
| Date | Apr 1, 2024 |
| Book Page | OR3320/467 |
| Instrument | 20240011008 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | PO BOX 22869, JACKSON, MS 39225 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.1% |
| Index | Other |
| Margin | 3 |
| Max Rate | 11.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Apr 1, 2024 |
| Property Address | 95 W WILLOW MIST RD, INLET BEACH, FL 32461-6809 |
| Document Number | 0033200465 |
| Book / Page | 3320 / 465 |
| Map Reference | MB 17 PG 32 |
| Instrument Date | Mar 29, 2024 |
| Instrument | 20240011007 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2024 |
| Title Company | SHORELINE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,910.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19211 PANAMA CITY BEACH PKWY, PANAMA CITY BEACH, FL 32413-8712 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1 LOCKWOOD LN, ORCHARD PARK, NY 14127-2713 |
| Document Number | 20240011008 |
|---|---|
| Date | Apr 1, 2024 |
| Instrument | 20240011008 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.1% |
| Index | Other |
| Margin | 3 |
| Max Rate | 11.1% |
| Document Number | OR33202360 |
|---|---|
| Date | Apr 4, 2024 |
| Book Page | OR3320/2360 |
| Instrument | 20240011485 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | PO BOX 22869, JACKSON, MS 39225 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.1% |
| Index | Other |
| Margin | 3 |
| Max Rate | 11.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 95 W WILLOW MIST RD, INLET BEACH, FL 32461-6809 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 19211 PAMNAMACIY, GRANDE POINTE, FL 32413 |
| Document Number | 0032930892 |
|---|---|
| Date | Jun 21, 2023 |
| Book Page | 3293/892 |
| Instrument | 20230021912 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Aug 8, 2022 |
| Property Address | 95 W WILLOW MIST RD, INLET BEACH, FL 32461-6809 |
| Document Number | 0032623131 |
| Book / Page | 3262 / 3131 |
| Map Reference | MB 17 PG 32 |
| Instrument Date | Jul 29, 2022 |
| Instrument | 20220036094 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $882.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 724 COTTAGE LN, COVINGTON, LA 70433-8156 |
| Name | Verified Name |
|---|---|
| Address | 19211 PANAMA CITY BEACH PKWY # 108, 108, PANAMA CITY BEACH, FL 32413-8712 |
The 2025 property tax bill for 95 W Willow Mist Rd was $8,275, down 17.9% from the year before.
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 | $8,275.00 (-17.94%) | $954,499 Land $250,000 Building $704,499 | $954,499 Land $250,000 Building $704,499 |
| 2024 | $10,084.00 (+991.34%) | ||
| 2023 | $924.00 (+64.41%) | $101,745 (+10.37%) Land $101,745 | $101,745 (+10.37%) Land $101,745 |
| 2022 | $562.00 | $92,183 Land $92,183 | $92,183 Land $92,183 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 95 W Willow Mist Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
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 412 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 412 in force |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2020 · other causes |
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 95 W Willow Mist 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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 429 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 | 2,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: REV, Verizon, Wildstar Networks, WOW Internet, Cable & Phone, Xfinity.
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