99 E Bermuda Dr, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 99 E Bermuda Dr, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,340 sqft · built 2021
Lot Size	0.24 acres (10,490 sqft)
Owner	Individual Name on File
Last Sale	$3,775,000 (Jul 2021)
Tax Bill	$34,754 (2024)
Deeds & Mortgages	Jul 2021 Sale & Line of Credit Sep 2020 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-3S-20-34700-000-0850`

Property Details

APN / Parcel Number

Primary APN	`12-3S-20-34700-000-0850`
Alternative APN	`1017844`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	3 Stories
Building Area	4,340 sqft Living Area
Gross Area	5,747 sqft
Interior Walls	Custom/Decorative
Elevator	Elevator

Exterior

Year Built	Built 2021
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Tin
Lot Area	10,490 sqft (0.24 acres)
Garage Type	Finished
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1017844
Street Address	99 E BERMUDA DR
City	SANTA ROSA BEACH
State	FL
Zip	32459-7522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 85 THE RETREAT S/D PB 14-4 OR 2036-412 OR 2156-281 OR 2198-172 OR 2917-2218 OR 2928-2476 OR 3081-1614 OR 3206-2797
Legal Range	20W
Legal Township	03S
Legal Section	12
Legal Subdivision	THE RETREAT S/D
Legal Lot Number	85
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1035
Census Tract	950606

Owner

99 E Bermuda Dr is owned by an individual who bought it in July 2021.

Source: Walton County records, as of December 17, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4510 HARPETH HILLS DR, NASHVILLE, TN 37215-4006
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2021	Warranty Deed, Transfer · Line of Credit TRUXTON TRUST COMPANY
Sep 4, 2020	Deed of Trust, Construction Loan · Construction Mortgage OAKWOOD BK
Jul 15, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 2, 2018	Warranty Deed, Transfer TEXAS CAPITAL BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2021 · Amount on File
Deed Sale	Jul 9, 2021 · Amount on File
Prior Sale	Jul 15, 2020
Deed Document Number	20210034627
Deed Book / Page	3206 / 2797
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 9, 2021
Property Address	99 E BERMUDA DR, SANTA ROSA BEACH, FL 32459-7522
Document Number	0032062797
Book / Page	3206 / 2797
Map Reference	MB 14 PG 4&4A
Instrument Date	Jul 2, 2021
Instrument	20210034627
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	EQUITRUST TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$26,425.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	904 SERENITY LN, 904, MC KINNEY, TX 75069-7458

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4510 HARPETH HILLS DR, NASHVILLE, TN 37215-4006
Investor	Possibly a Property Investor

Mortgage

Document Number	0032062799
Date	Jul 9, 2021
Instrument	3206/2799

Lender

Name	TRUXTON TRUST COMPANY
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jul 9, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Recording Date	Sep 4, 2020
Property Address	99 E BERMUDA DR, SANTA ROSA BEACH, FL 32459-7522
Document Number	0031582362
Book / Page	003158 / 002362
Instrument Date	Jul 21, 2020
Instrument	34411
Transaction Type	Construction Loan
Record Updated	Oct 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 SERENITY LN MCKINNEY TX 750697458, MCKINNEY, TX 75069-7458

Mortgage

Document Number	31582362
Date	Sep 4, 2020
Book Page	003158/002362
Instrument	34411

Lender

Name	OAKWOOD BK
Address	DALLAS, TX 75225

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 3, 2021

Interest

Rate Type	Adjustable Rate

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Jul 15, 2020
Property Address	99 E BERMUDA DR, SANTA ROSA BEACH, FL 32459-7522
Document Number	0031502040
Book / Page	003150 / 002040
Instrument Date	May 20, 2020
Instrument	25140
Transaction Type	Transfer
Record Updated	Aug 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	904 SERENITY LN MCKINNEY TX 750697458, MCKINNEY, TX 75069-7458

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 2, 2018
Property Address	99 E BERMUDA DR, SANTA ROSA BEACH, FL 32459-7522
Document Number	0030811614
Book / Page	3081 / 1614
Map Reference	MB14 PG4&4
Instrument Date	Jul 30, 2018
Instrument	2018000026050
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	MCGILL ESCROW & TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	225 BURNS RD, 225, ELYRIA, OH 44035-1512

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 SERENITY LN, MCKINNEY, TX 75069-7458

Mortgage

Document Number	0030811616
Date	Aug 2, 2018
Book Page	3081/1616
Instrument	2018000026051

Lender

Name	TEXAS CAPITAL BANK NA
Type	Bank
Address	DALLAS, TX 75201

Agreement

Amount	Amount on Record
Term	12 Months
Due	Aug 1, 2019

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		$4,860,515 Land $992,250 Building $3,868,265	$4,860,515 Land $992,250 Building $3,868,265
2024	$34,754.00 (+15.01%)
2023	$30,218.00 (+6.94%)	$3,407,875 (+8.15%) Land $681,345 Building $2,726,530	$3,407,875 (+8.15%) Land $681,345 Building $2,726,530
2022	$28,257.00	$3,151,019 Land $756,293 Building $2,394,726	$3,151,019 Land $756,293 Building $2,394,726

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 99 E Bermuda Dr in Zone X, an area of minimal flood risk, within 100 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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 413 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	725 units insured incl. 312 condo units
Nearby Flood Claims	12 (2005–2025)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 3 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 3 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

Wildfire risk around 99 E Bermuda Dr is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond 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 369 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
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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