103 Lake Front Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 103 Lake Front Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,510 sqft · built 2002
Lot Size	0.113 acres (4,922 sqft)
Owner	2 Company Names on File
Last Sale	$262,500 (Dec 2017)
Tax Bill	$2,941 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42321-000-0120`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42321-000-0120`
Alternative APNs	`30-221-42321-000-0120` `1067496`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,510 sqft Living Area
Gross Area	2,056 sqft
1st Floor Area	1,510 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	4,922 sqft (0.113 acres)
Lot Dimensions	90 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	400 sqft
Porch	Open/Unfinished Porch
Porch Area	36 sqft
Patio Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	103 LAKE FRONT DR
City	MIRAMAR BEACH
State	FL
Zip	32550-8248
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 OLDE FLORIDA LAKES PH 2 PB 14-45 OR 2448-1129 OR 2839-4181 OR 3059-3245 OR 3349-4829
Legal Range	021
Legal Township	02S
Legal Section	30
Legal Subdivision	OLDE FLORIDA LAKES PH 2
Legal Phase	2
Legal Block	1
Legal Lot Number	12
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1007
Census Tract	950608

Owner

103 Lake Front Dr is owned by a company that acquired it in February 2025.

Source: Walton County records, as of December 3, 2025

Owner of Record	2 Company Names on File
Mailing Address	86 BAYWINDS DR, DESTIN, FL 32541-3749
Owner Type	Company
Vesting	Life Tenant

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
Aug 19, 2020	Deed of Trust, Mortgage · VA Mortgage GENEVA FINANCIAL LLC
Dec 12, 2017	Warranty Deed, Transfer · VA Mortgage GENEVA FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2017 · Amount on File
Deed Sale	Dec 12, 2017 · Amount on File
Prior Sale	Apr 14, 2010 · Amount on File
Deed Document Number	201740528
Deed Book / Page	3059 / 3245
Last Transfer Date	Feb 11, 2025
Transfer Doc	0033494829
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	103 LAKE FRONT DR, MIRAMAR BEACH, FL 32550-8248
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031553971
Date	Aug 19, 2020
Book Page	3155/3971
Instrument	20200031320

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company
Address	CHANDLER, AZ 85248

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 12, 2017
Property Address	103 LAKE FRONT DR, MIRAMAR BEACH, FL 32550-8248
Document Number	0030593245
Book / Page	3059 / 3245
Map Reference	MB14 PGS 45,45A&45B
Instrument Date	Dec 8, 2017
Instrument	2017000040528
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	222 14TH ST NE APT 133, 222, ATLANTA, GA 30309-7681

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 LAKE FRONT DR, MIRAMAR BEACH, FL 32550-8248

Mortgage

Document Number	2017000040529
Date	Dec 12, 2017
Instrument	2017000040529

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 103 Lake Front Dr was $2,941, down 2% 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	$2,941.00 (-1.97%)	$325,491 Land $80,000 Building $245,491	$325,491 Land $80,000 Building $245,491
2024	$3,000.00 (-3.69%)
2023	$3,115.00 (+79.44%)	$342,917 (+9.34%) Land $41,453 Building $301,464	$342,917 (+9.34%) Land $41,453 Building $301,464
2022	$1,736.00 Homeowner's exemption	$313,637 Land $46,013 Building $267,624	$313,637 Land $46,013 Building $267,624

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

Flood

FEMA maps place 103 Lake Front Dr 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 148 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	12 (2004–2024)
Claims Outside the SFHA	5 of 12
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Sally, Sep 2020 · 5 claims Hurricane Michael, Oct 2018 · 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

Wildfire risk around 103 Lake Front Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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	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 179 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 / 35
Verizon Fixed Wireless	300 / 20

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

Nearby Properties on Lake Front Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures