98 S Founders Ln, Inlet Beach, FL 32461 Property Records

Walton County property record for 98 S Founders Ln, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,596 sqft · built 2007
Lot Size	0.117 acres (5,117 sqft)
Owner	Company Name on Record
Last Sale	$5,100,000 (May 2022)
Tax Bill	$34,660 (2024)
Deeds & Mortgages	May 2022 Sale Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-3S-18-16010-000-0470`

Property Details

APN / Parcel Number

Primary APN	`20-3S-18-16010-000-0470`
Alternative APN	`1036490`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,596 sqft Living Area
Gross Area	4,991 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2009
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	5,117 sqft (0.117 acres)
Garage Type	Finished
Garage Area	484 sqft

Exterior Amenities

Porch	Porch
Porch Area	809 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1036490
Street Address	98 S FOUNDERS LN
City	INLET BEACH
State	FL
Zip	32461-8516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 47 WATERSOUND BEACH PH 1 PB 15-28 OR 2457-931 OR 2462-307 OR 2531-1072 OR 2880-3793 OR 2913-3943 OR 2979-1958 OR
Legal Range	18W
Legal Township	03S
Legal Section	21
Legal Subdivision	WATERSOUND BEACH PH 1
Legal Phase	1
Legal Lot Number	47
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1037
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	Company Name on Record
Mailing Address	206 FAIRACRES RD, OMAHA, NE 68132-2706
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
May 26, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 3, 2019	Deed of Trust, Mortgage · ARM US BANK NA
Oct 5, 2020	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2022 · Amount on Record
Deed Sale	May 26, 2022 · Amount on Record
Prior Sale	Oct 5, 2020 · Amount on Record
Deed Document Number	20220024980
Deed Book / Page	3253 / 4133
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 26, 2022
Property Address	98 S FOUNDERS LN, INLET BEACH, FL 32461-8516
Document Number	0032534133
Book / Page	3253 / 4133
Map Reference	MB 15 PG 28
Instrument Date	May 23, 2022
Instrument	20220024980
Transaction Type	Transfer
Record Updated	Jun 10, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$35,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3589 GROVE GATE LN, 3589, ATLANTA, GA 30339-3786

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 FAIRACRES RD, OMAHA, NE 68132-2706

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	98 S FOUNDERS LN, INLET BEACH, FL 32461-8516
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031012178
Date	Apr 3, 2019
Book Page	3101/2178
Instrument	20190010161

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.5%
Index	1-Year CMT
Max Rate	9.5%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 5, 2020
Property Address	98 S FOUNDERS LN, INLET BEACH, FL 32461-8516
Document Number	0031622856
Book / Page	3162 / 2856
Map Reference	MB 15 PG 28-28D
Instrument Date	Sep 30, 2020
Instrument	20200039032
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18,270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	118 BLISSFUL VIEW DR, 118, MURRAY, KY 42071-4460

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3589 GROVE GATE LN, ATLANTA, GA 30339-3786

Mortgage

Document Number	0031622858
Date	Oct 5, 2020
Instrument	3162/2858

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

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		$3,721,357 (-3.16%) Land $1,536,000 Building $2,185,357	$3,721,357 (-3.16%) Land $1,536,000 Building $2,185,357
2024	$34,660.00 (-0.74%)
2023	$34,917.00 (+26.01%)	$3,842,857 (+14.47%) Land $1,537,194 Building $2,305,663	$3,842,857 (+14.47%) Land $1,537,194 Building $2,305,663
2022	$27,709.00	$3,357,182 Land $1,706,286 Building $1,650,896	$3,357,182 Land $1,706,286 Building $1,650,896

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 AE, within 500 ft
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	Low lower than 63% of the US · lower than 89% 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.

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 132 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

May also be available: AT&T, Verizon, Wildstar Networks.

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