Walton County property record for 97 Lullaby Loop, Santa Rosa Beach, FL 32459
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,436 sqft · built 2014 |
| Lot Size | 0.164 acres (7,187 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $350,000 (Mar 2018) |
| Tax Bill | $3,143 (2024) |
| Deeds & Mortgages | Jun 2017 Mortgage Apr 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-2S-20-33701-000-0090 |
| Primary APN | 26-2S-20-33701-000-0090 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,436 sqft Living Area |
| Gross Area | 3,204 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2014 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,187 sqft (0.164 acres) |
| Lot Dimensions | 12 ft deep x 6 ft wide |
| Garage Type | Finished |
| Garage Area | 504 sqft |
| Porch | Porch |
| Porch Area | 264 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1052221 |
|---|---|
| Street Address | 97 LULLABY LOOP |
| City | SANTA ROSA BEACH |
| State | FL |
| Zip | 32459-8201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 WHISPERING LAKE FIRST ADDITION PB 18-83 OR 2917-29 OR 2965-2014 OR 3067-4303 |
| Legal Range | 20W |
| Legal Township | 02S |
| Legal Section | 26 |
| Legal Subdivision | WHISPERING LAKE FIRST ADDITION |
| Legal Lot Number | 9 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 3 |
| Census Block | 3052 |
| Census Tract | 950605 |
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 |
|---|---|
| Mailing Address | 97 LULLABY LOOP, SANTA ROSA BEACH, FL 32459-8201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 9, 2017 | Deed of Trust, Mortgage REGIONS BANK |
| Apr 29, 2022 | Deed of Trust, Mortgage · Line of Credit ALL IN FCU |
| Jun 24, 2020 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Mar 13, 2018 | Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 13, 2018 · Amount on Record |
| Deed Sale | Mar 13, 2018 · Amount on Record |
| Prior Sale | Nov 26, 2014 · Amount on Record |
| Deed Document Number | 2018000008135 |
| Deed Book / Page | 3067 / 4303 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 97 LULLABY LOOP, SANTA ROSA BEACH, FL 32459-8201 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Title Company | MCNEESE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0030433704 |
|---|---|
| Date | Jun 9, 2017 |
| Book Page | 3043/3704 |
| Instrument | 20170018942 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jun 6, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 97 LULLABY LOOP, SANTA ROSA BEACH, FL 32459-8201 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0032501019 |
|---|---|
| Date | Apr 29, 2022 |
| Book Page | 3250/1019 |
| Instrument | 20220020397 |
| Name | ALL IN FCU |
|---|---|
| Type | Credit Union |
| Address | DALEVILLE, AL 36322 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 264 Months |
| Due | Apr 15, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 97 LULLABY LOOP, SANTA ROSA BEACH, FL 32459-8201 |
| Document Number | 0031490357 |
| Instrument Date | Jun 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSURA |
| Name | Verified Name |
|---|---|
| Address | 97 LULLABY LOOP SANTA ROSA BEACH FL 324598201, SANTA ROSA BEACH, FL 32459-8201 |
| Document Number | 0031490357 |
|---|---|
| Date | Jul 6, 2020 |
| Book Page | 003149/000357 |
| Instrument | 23525 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 5, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 13, 2018 |
| Property Address | 97 LULLABY LOOP, SANTA ROSA BEACH, FL 32459-8201 |
| Document Number | 0030674303 |
| Book / Page | 3067 / 4303 |
| Map Reference | MB18 PG83&83A |
| Instrument Date | Mar 9, 2018 |
| Instrument | 2018000008135 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 981 HIGHWAY 98 E # E3-136, 981, DESTIN, FL 32541-2801 |
| Name | Verified Name |
|---|---|
| Address | 97 LULLABY LOOP, SANTA ROSA BEACH, FL 32459-8201 |
| Document Number | 2018000008136 |
|---|---|
| Date | Mar 13, 2018 |
| Instrument | 2018000008136 |
| Name | FIRST CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2048 |
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 | $552,602 (-4.36%) Land $45,000 Building $507,602 | $552,602 (-4.36%) Land $45,000 Building $507,602 | |
| 2024 | $3,143.00 (+3.9%) | ||
| 2023 | $3,025.00 (+11.38%) Homeowner's exemption | $577,792 (+28.73%) Land $35,147 Building $542,645 | $577,792 (+28.73%) Land $35,147 Building $542,645 |
| 2022 | $2,716.00 Homeowner's exemption | $448,834 Land $39,013 Building $409,821 | $448,834 Land $39,013 Building $409,821 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 233 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 233 in force |
| Nearby Flood Claims | 7 (2004–2020) |
| Claims Outside the SFHA | 4 of 7 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 43% 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.
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 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| CenturyLink Fiber | 2,000 / 1,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
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