96 Surfer Ln, Inlet Beach, FL 32461 Property Records

Walton County property record for 96 Surfer Ln, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,468 sqft · built 2005
Lot Size	0.096 acres (4,194 sqft)
Owner	Individual Name on Record
Last Sale	$927,000 (Jan 2021)
Tax Bill	$11,225 (2024)
Deeds & Mortgages	Jan 2021 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-3S-18-16034-00T-0090`

Property Details

APN / Parcel Number

Primary APN	`26-3S-18-16034-00T-0090`
Alternative APN	`1053606`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	2,468 sqft Living Area
Gross Area	3,280 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2005
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	4,194 sqft (0.096 acres)
Porch	Porch
Porch Area	812 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1053606
Street Address	96 SURFER LN
City	INLET BEACH
State	FL
Zip	32461
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLK T SEACREST BEACH PH 6 PB 15-40 OR 2489-488 OR 2662-3002 OR 2785-496 OR 3178-1132
Legal Range	18W
Legal Township	03S
Legal Section	26
Legal Subdivision	SEACREST BEACH PH 6
Legal Phase	6
Legal Block	T
Legal Lot Number	9
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1001
Census Tract	950611

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5325 INDIAN HILL RD, DUBLIN, OH 43017-8243
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jan 11, 2021	Warranty Deed, Transfer BRIGHT LINE TITLE LLC
Jan 11, 2021	Warranty Deed, Transfer BRIGHT LINE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2021 · Amount on Record
Deed Sale	Jan 11, 2021 · Amount on Record
Prior Sale	Feb 12, 2008 · Amount on Record
Deed Document Number	20210001450
Deed Book / Page	3178 / 1132
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	96 SURFER LN, INLET BEACH, FL 32461
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5325 INDIAN HILL RD, DUBLIN, OH 43017-8243

Mortgage

Document Number	0031781134
Date	Jan 11, 2021
Book Page	3178/1134
Instrument	20210001451

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	96 SURFER LN, INLET BEACH, FL 32461
Transaction Type	Mortgage
Record Updated	Mar 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5325 INDIAN HILL RD, DUBLIN, OH 43017-8243

Mortgage

Document Number	0031782523
Date	Jan 13, 2021
Book Page	3178/2523
Instrument	20210001801

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 11, 2021
Property Address	96 SURFER LN, INLET BEACH, FL 32461
Document Number	0031781132
Book / Page	3178 / 1132
Map Reference	MB 15 PG 40&40A
Instrument Date	Dec 30, 2020
Instrument	20210001450
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	BRIGHT LINE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$6,489.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	344 CANTON STONE DR, 344, FRANKLIN, TN 37067-7236

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5325 INDIAN HILL RD, DUBLIN, OH 43017-8243

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 11, 2021
Property Address	96 SURFER LN, INLET BEACH, FL 32461
Document Number	0031781132
Book / Page	3178 / 1132
Map Reference	MB 15 PG 40&40A
Instrument Date	Dec 30, 2020
Instrument	20210001450
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	BRIGHT LINE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$6,489.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	344 CANTON STONE DR, 344, FRANKLIN, TN 37067-7236

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5325 INDIAN HILL RD, DUBLIN, OH 43017-8243

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		$1,307,681 (-16.19%) Land $586,950 Building $720,731	$1,307,681 (-16.19%) Land $586,950 Building $720,731
2024	$11,225.00 (+1.31%)
2023	$11,080.00 (+8.2%)	$1,560,202 (+11.1%) Land $662,025 Building $898,177	$1,560,202 (+11.1%) Land $662,025 Building $898,177
2022	$10,240.00	$1,404,383 Land $607,595 Building $796,788	$1,404,383 Land $607,595 Building $796,788

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
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	Hurricane Sally, Sep 2020 · 2 claims Hurricane Frances, Sep 2004 · 2 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 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.08% 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.

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 173 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 in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: WOW Internet, Cable & Phone.

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