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

Walton County property record for 11 Lake Front Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,860 sqft · built 2004
Lot Size	0.107 acres (4,704 sqft)
Owner	Individual Name on File
Last Sale	$355,000 (Mar 2021)
Tax Bill	$3,129 (2024)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42321-000-0200`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42321-000-0200`
Alternative APN	`1067504`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,860 sqft Living Area
Gross Area	2,458 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	4,704 sqft (0.107 acres)
Lot Dimensions	8.5 ft deep x 5.5 ft wide
Garage Type	Finished
Garage Area	420 sqft

Exterior Amenities

Porch	Porch
Porch Area	48 sqft
Patio Area	130 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1067504
Street Address	11 LAKE FRONT DR
City	MIRAMAR BEACH
State	FL
Zip	32550-8246
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 OLDE FLORIDA LAKES PHS II PB 14-45 OR 2495-218 OR 2521-1033 OR 2615-798 OR 2615-1712 OR 2949-4666 OR 3051-2680 OR
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	OLDE FLORIDA LAKES PHII
Legal Lot Number	20
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1007
Census Tract	950608

Owner

11 Lake Front Dr is owned and occupied by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	11 LAKE FRONT DR, MIRAMAR BEACH, FL 32550-8246
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 24, 2021	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY LENDING GROUP LLC
Dec 9, 2020	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Sep 5, 2017	Warranty Deed, Transfer · Conventional Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2021 · Amount on File
Deed Sale	Mar 24, 2021 · Amount on File
Prior Sale	Dec 9, 2020 · Amount on File
Deed Document Number	20210014082
Deed Book / Page	3189 / 1585
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 24, 2021
Property Address	11 LAKE FRONT DR, MIRAMAR BEACH, FL 32550-8246
Document Number	0031891585
Book / Page	3189 / 1585
Map Reference	MB 14 PG 45
Instrument Date	Mar 19, 2021
Instrument	20210014082
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	470 SHORE DR, 470, MIRAMAR BEACH, FL 32550-5274

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 LAKE FRONT DR, MIRAMAR BEACH, FL 32550-8246

Mortgage

Document Number	0031891587
Date	Mar 24, 2021
Instrument	3189/1587

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 9, 2020
Property Address	11 LAKE FRONT DR, MIRAMAR BEACH, FL 32550-8246
Document Number	0031724385
Book / Page	3172 / 4385
Map Reference	MB 14 PG 45
Instrument Date	Dec 4, 2020
Instrument	20200050749
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$426.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	470 SHORE DR, 470, MIRAMAR BEACH, FL 32550-5274

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 LAKE FRONT DR, MIRAMAR BEACH, FL 32550-8246

Mortgage

Document Number	0031724387
Date	Dec 9, 2020
Instrument	3172/4387

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 5, 2017
Property Address	11 LAKE FRONT DR, MIRAMAR BEACH, FL 32550-8246
Document Number	0030512680
Book / Page	003051 / 002680
Instrument Date	Sep 1, 2017
Instrument	29402
Transaction Type	Transfer
Record Updated	Sep 19, 2017
Title Company	NATIONWIDE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11 LAKE FRONT DR MIRAMAR BEACH FL 325508246, MIRAMAR BEACH, FL 32550-8246

Mortgage

Document Number	30512682
Date	Sep 5, 2017
Book Page	003051/002682
Instrument	29403

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 4, 2047

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		$377,327 Land $80,000 Building $297,327	$377,327 Land $80,000 Building $297,327
2024	$3,129.00 (+0.48%)
2023	$3,114.00 (+1.3%) Homeowner's exemption	$406,565 (+9.9%) Land $41,453 Building $365,112	$406,565 (+9.9%) Land $41,453 Building $365,112
2022	$3,074.00 Homeowner's exemption	$369,947 Land $46,013 Building $323,934	$369,947 Land $46,013 Building $323,934

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

Flood

FEMA maps place 11 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

The area around 11 Lake Front Dr 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 214 locations within half a mile, as of December 31, 2025

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

May also be available: Wildstar Networks.

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