103 Saint Simon Cir, Miramar Beach, FL 32550 Property Records

Walton County property record for 103 Saint Simon Cir, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,904 sqft · built 2021
Lot Size	0.102 acres (4,443 sqft)
Owner	Company Name on Record
Last Sale	$975,000 (Sep 2021)
Tax Bill	$10,285 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Mar 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-2S-21-42970-000-0180`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42970-000-0180`
Alternative APNs	`29-221-42970-000-0180` `1064984`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,904 sqft Living Area
Gross Area	3,618 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	4,443 sqft (0.102 acres)
Lot Dimensions	86 ft deep x 47 ft wide
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	103 SAINT SIMON CIR
City	MIRAMAR BEACH
State	FL
Zip	32550-8223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 18 EMERALD WATERS VILLAGE PB 13-27 OR 2565-1908 OR 2606-4940 OR 2728-504 OR 2863-3136 OR 3113-3628 OR 3137-2367 OR 3214-4481
Legal Range	021
Legal Township	02S
Legal Section	29
Legal Subdivision	EMERALD WATERS VILLAGE
Legal Block	1
Legal Lot Number	18
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1031
Census Tract	950609

Owner

Source: Walton County records, as of June 9, 2026

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	PO BOX 971
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2021	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Mar 23, 2020	Warranty Deed, Transfer AQUA TITLE SERVICES, AQUA TITLE SVCS
Aug 2, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2021 · Amount on Record
Deed Sale	Sep 3, 2021 · Amount on Record
Prior Sale	Mar 23, 2020 · Amount on Record
Deed Document Number	202144544
Deed Book / Page	3214 / 4481
Prior Transfer Date	Jul 23, 2019
Prior Transfer Doc	0031133628
Record Updated	Sep 20, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 3, 2021
Property Address	103 SAINT SIMON CIR, MIRAMAR BEACH, FL 32550-8223
Document Number	0032144481
Book / Page	3214 / 4481
Map Reference	MB 13 PG 27&27A
Instrument Date	Aug 27, 2021
Instrument	20210044544
Transaction Type	Transfer
Record Updated	Feb 21, 2023
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,825.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8982 WINGED FOOT DR, TALLAHASSEE, FL 32312-4051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 971, FRONTENAC, KS 66763-0971

Mortgage

Document Number	0032144483
Date	Sep 3, 2021
Instrument	3214/4483

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	315 Months
Due	Dec 10, 2047

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 23, 2020
Property Address	103 SAINT SIMON CIR, MIRAMAR BEACH, FL 32550-8223
Document Number	0031372367
Book / Page	003137 / 002367
Instrument Date	Mar 23, 2020
Instrument	10477
Transaction Type	Transfer
Record Updated	May 29, 2020
Title Company	AQUA TITLE SERVICES, AQUA TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$1,155.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8982 WINGED FOOT DR TALLAHASSEE FL 323124051, TALLAHASSEE, FL 32312-4051

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Aug 2, 2019
Property Address	103 SAINT SIMON CIR, MIRAMAR BEACH, FL 32550-8223
Document Number	0031133628
Book / Page	003113 / 003628
Instrument Date	Jul 23, 2019
Instrument	26427
Transaction Type	Transfer
Record Updated	Aug 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3945 FRASIER DR CUMMING GA 300284142, CUMMING, GA 30028-4142

Tax Assessment & Valuation

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	$10,285.00 (-11.53%)	$1,138,327 (-10.77%) Land $341,250 Building $797,077	$1,138,327 (-10.77%) Land $341,250 Building $797,077
2024	$11,626.00 (+5.62%)
2023	$11,007.00 (+13.15%)	$1,275,692 (+21.52%) Land $267,750 Building $1,007,942	$1,275,692 (+21.52%) Land $267,750 Building $1,007,942
2022	$9,728.00	$1,049,804 Land $161,618 Building $888,186	$1,049,804 Land $161,618 Building $888,186

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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 437 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
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Wildstar Networks.

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