10 Palm Beach St, Miramar Beach, FL 32550 Property Records

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

Property Summary

Property Type	Single Family Home
Details	6 bd · 7 ba · 3,714 sqft · built 2022
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on File
Last Sale	$1,949,900 (Jun 2022)
Tax Bill	$14,124 (2025)
Deeds & Mortgages	Oct 2021 Construction Loan Oct 2021 Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00G-0040`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00G-0040`
Alternative APNs	`32-221-42050-00G-0040` `1071852`

Interior

Bedrooms	6 Beds
Full Baths	7 Baths
Stories	3 Stories
Building Area	3,714 sqft Living Area
Gross Area	4,270 sqft
Flooring	Wood

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10 PALM BEACH ST
City	MIRAMAR BEACH
State	FL
Zip	32550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 4 BLK G FRANGISTA BEACH 2ND ADDITION PB 3-41 OR 1754-243 OR 2696-2352 OR 3256-928
Legal Range	021
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BEACH 2ND ADDITION
Legal Block	G
Legal Lot Number	4
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1031
Census Tract	950609

Owner

10 Palm Beach St is owned by an individual who bought it in June 2022.

Source: Walton County records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	2811 HADLEY SPRINGS LN, SPRING, TX 77386-1596
Owner Type	Individual
Vesting	Married Woman, Separate Property

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

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2021	Deed of Trust, Mortgage · Construction Mortgage FNBT BANK
Oct 21, 2021	Deed of Trust, Mortgage · Construction Mortgage FNBT BANK
Jun 14, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 11, 2020	Deed of Trust, Mortgage FIFTH THIRD BK NA
Jul 16, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Feb 25, 2020	Warranty Deed, Transfer · Construction Mortgage FNBT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2022 · Amount on File
Deed Sale	Jun 14, 2022 · Amount on File
Deed Document Number	202227837
Deed Book / Page	3256 / 928
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	10 PALM BEACH ST, MIRAMAR BEACH, FL 32550-4630
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4644 GULFSTARR DR, DESTIN, FL 32541-3715

Mortgage

Document Number	0032213963
Date	Oct 21, 2021
Book Page	3221/3963
Instrument	20210052682

Lender

Name	FNBT BANK
Type	Bank
Address	FORT WALTON BEACH, FL 32549

Agreement

Type	Construction Mortgage
Amount	Amount on Record

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	10 PALM BEACH ST, MIRAMAR BEACH, FL 32550-4630
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4644 GULFSTARR DR, DESTIN, FL 32541-3715

Mortgage

Document Number	0032213939
Date	Oct 21, 2021
Book Page	3221/3939
Instrument	20210052676

Lender

Name	FNBT BANK
Type	Bank
Address	FORT WALTON BEACH, FL 32549

Agreement

Type	Construction Mortgage
Amount	Amount on Record

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 14, 2022
Property Address	10 PALM BEACH ST, MIRAMAR BEACH, FL 32550-4630
Document Number	0032560928
Book / Page	3256 / 928
Map Reference	MB 3 PG 41
Instrument Date	Jun 10, 2022
Instrument	20220027837
Transaction Type	Transfer
Record Updated	Feb 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,649.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 9115, MIRAMAR BEACH, FL 32550-1021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2811 HADLEY SPRINGS LN, SPRING, TX 77386-1596

Mortgage

Document Number	0003256930
Date	Jun 14, 2022
Instrument	3256/930

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	10 PALM BEACH ST, MIRAMAR BEACH, FL 32550-4630
Document Number	0031734804
Instrument Date	Dec 11, 2020
Transaction Type	Mortgage
Record Updated	Jan 21, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	497 RAINBOW DR NW LANCASTER OH 431309133, LANCASTER, OH 43130-9133

Mortgage

Document Number	0031734804
Date	Dec 17, 2020
Book Page	003173/004804
Instrument	52047

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45227

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 16, 2050

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 16, 2020
Property Address	10 PALM BEACH ST, MIRAMAR BEACH, FL 32550-4630
Document Number	0031502874
Book / Page	003150 / 002874
Instrument Date	Jul 14, 2020
Instrument	25360
Transaction Type	Transfer
Record Updated	Aug 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,750.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	106 48TH ST VIRGINIA BEACH VA 234512406, VIRGINIA BEACH, VA 23451-2406

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 25, 2020
Property Address	10 PALM BEACH ST, MIRAMAR BEACH, FL 32550-4630
Document Number	0031341255
Book / Page	3134 / 1255
Map Reference	MB 3 PG 41
Instrument Date	Feb 20, 2020
Instrument	20200006758
Transaction Type	Transfer
Record Updated	Feb 7, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 9115, MIRAMAR BEACH, FL 32550-1021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 9115, MIRAMAR BEACH, FL 32550-1021

Mortgage

Document Number	0031341257
Date	Feb 25, 2020
Book Page	3134/1257
Instrument	20200006759

Lender

Name	FNBT BANK
Type	Bank
Address	FORT WALTON BEACH, FL 32549

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 10 Palm Beach St was $14,124, down 15.8% 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	$14,124.00 (-15.81%)	$1,563,143 Land $475,000 Building $1,088,143	$1,563,143 Land $475,000 Building $1,088,143
2024	$16,776.00 (+0.53%)
2023	$16,688.00 (+537.68%)	$1,836,669 (+548.89%) Land $450,000 Building $1,386,669	$1,836,669 (+548.89%) Land $450,000 Building $1,386,669
2022	$2,617.00	$283,050 Land $283,050	$283,050 Land $283,050

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 10 Palm Beach St in Zone X, an area of minimal flood risk, though there have been 64 flood claims nearby since 1995.

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 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 Palm Beach 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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