10 Lake St, Miramar Beach, FL 32550 Property Records

Walton County property record for 10 Lake St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	7 bd · 7.5 ba · 2,636 sqft · built 2019
Lot Size	0.116 acres (5,053 sqft)
Owner	Company Name on File
Last Sale	$1,425,000 (Aug 2026)
Tax Bill	$10,979 (2025)
Deeds & Mortgages	Aug 2026 Sale Jan 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00J-0050`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00J-0050`
Alternative APNs	`32-221-42050-00J-0050` `1071887`

Interior

Bedrooms	7 Beds
Full Baths	7.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,636 sqft Living Area
Gross Area	3,200 sqft
1st Floor Area	1,140 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,053 sqft (0.116 acres)
Lot Dimensions	102 ft deep x 50 ft wide
Porch	Slab
Porch Area	564 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10 LAKE ST
City	MIRAMAR BEACH
State	FL
Zip	32550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 5 BLK J FRANGISTA BCH 2ND ADD. PB 3-41 OR 1754-243 OR 2619-2550 OR 2619-3865 OR 2646-3799 OR 2807-3540 OR 3091-2906 OR 3133-2760 OR 3273-362 OR 3313-4856
Legal Range	021
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BCH 2ND ADD
Legal Block	J
Legal Lot Number	5
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1042
Census Tract	950609

Owner

10 Lake St is owned by a company that bought it in August 2026.

Source: Walton County records, as of September 17, 2026

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	Company Name on File
Mailing Address	216 LAKELAND DR, MIRAMAR BEACH, FL 32550-4634
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Warranty Deed, Transfer TITLE SERVICES, AQUARK TITLE SERVICES
Jan 29, 2024	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Nov 16, 2022	Warranty Deed, Transfer · Commercial Mortgage ANCHOR NATIONWIDE LOANS LLC
Feb 18, 2020	Quit Claim Deed, Transfer GUARANTEED RATE
Dec 3, 2018	Warranty Deed, Construction Loan · Construction Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2026 · Amount on File
Deed Sale	Aug 24, 2026 · Amount on File
Prior Sale	Jan 29, 2024 · Amount on File
Deed Document Number	202634853
Deed Book / Page	3410 / 1254
Prior Transfer Date	Feb 13, 2020
Prior Transfer Doc	0000005725
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 24, 2026
Property Address	10 LAKE ST, MIRAMAR BEACH, FL 32550
Document Number	0000034853
Book / Page	3410 / 1254
Instrument Date	Aug 21, 2026
Instrument	202634853
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	TITLE SERVICES, AQUARK TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$1,007,475.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	216 LAKELAND DR, MIRAMAR BEACH, FL 32550-4634

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Jan 29, 2024
Property Address	10 LAKE ST, MIRAMAR BEACH, FL 32550
Document Number	0033134856
Book / Page	3313 / 4856
Map Reference	MB 3 PG 41
Instrument Date	Jan 24, 2024
Instrument	20240002897
Transaction Type	Transfer
Record Updated	Feb 9, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 IRWIN ST # 1034, 1034, SAN RAFAEL, CA 94901-4071

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 16, 2022
Property Address	10 LAKE ST, MIRAMAR BEACH, FL 32550
Document Number	0032730362
Book / Page	3273 / 362
Map Reference	MB 3 PG 41
Instrument Date	Nov 9, 2022
Instrument	20220049936
Transaction Type	Transfer
Record Updated	Dec 15, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,475.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	381 JOHN KING RD, CRESTVIEW, FL 32539-5734

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 IRWIN ST # 1034, 1034, SAN RAFAEL, CA 94901-3943

Mortgage

Document Number	0003273795
Date	Nov 16, 2022
Instrument	3273/795

Lender

Name	ANCHOR NATIONWIDE LOANS LLC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Nov 15, 2023

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Feb 18, 2020
Property Address	10 LAKE ST, MIRAMAR BEACH, FL 32550
Document Number	0031332760
Book / Page	003133 / 002760
Instrument Date	Feb 13, 2020
Instrument	5725
Transaction Type	Transfer
Record Updated	Mar 11, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	381 JOHN KING RD CRESTVIEW FL 325395734, CRESTVIEW, FL 32539-5734

Mortgage

Document Number	31332761
Date	Feb 18, 2020
Book Page	003133/002761
Instrument	5726

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 17, 2050

December 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 3, 2018
Property Address	10 LAKE ST, MIRAMAR BEACH, FL 32550
Document Number	0030912906
Book / Page	3091 / 2906
Map Reference	MB3 PG41
Instrument Date	Nov 19, 2018
Instrument	2018000040088
Transaction Type	Construction Loan
Record Updated	Aug 2, 2022
Title Company	H & S TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	715 CHAMPIONS CLOSE, 715, ALPHARETTA, GA 30004-0950

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 JOHN KING RD, CRESTVIEW, FL 32539-5734

Mortgage

Document Number	2018000040089
Date	Dec 3, 2018
Instrument	2018000040089

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	35 Months
Due	Nov 19, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 10 Lake St was $10,979, down 13.1% from the year before.

Source: Walton County assessment roll, as of December 3, 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	$10,979.00 (-13.13%)	$1,215,107 Land $400,000 Building $815,107	$1,215,107 Land $400,000 Building $815,107
2024	$12,638.00 (-0.13%)
2023	$12,655.00 (+45.46%)	$1,392,790 (+16.9%) Land $450,000 Building $942,790	$1,392,790 (+16.9%) Land $450,000 Building $942,790
2022	$8,700.00	$1,191,460 Land $283,050 Building $908,410	$1,191,460 Land $283,050 Building $908,410

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

Flood

FEMA maps place 10 Lake St in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 750 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4,168 units insured incl. 3,418 condo units
Nearby Flood Claims	64 (1995–2024)
Claims Outside the SFHA	45 of 64
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 29 claims Hurricane Frances, Sep 2004 · 10 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

The area around 10 Lake St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	3 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 360 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: CenturyLink, T-Mobile, Wildstar Networks.

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