112 Bay Tree Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 112 Bay Tree Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,727 sqft · built 1996
Lot Size	0.126 acres (5,489 sqft)
Owner	Individual Name on Record
Last Sale	$508,900 (Sep 2024)
Tax Bill	$3,827 (2024)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-2S-21-42401-00B-0090`

Property Details

APN / Parcel Number

Primary APN	`28-2S-21-42401-00B-0090`
Alternative APN	`1060428`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,727 sqft Living Area
Gross Area	2,285 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,489 sqft (0.126 acres)
Lot Dimensions	10 ft deep x 5.4 ft wide
Garage Type	Finished
Garage Area	418 sqft
Porch	Porch
Porch Area	140 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1060428
Street Address	112 BAY TREE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-7841
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLK B TREETOPS AT BAYSIDE PB 10-23 OR 1469-239 OR 2860-2863 OR 2968-4274 OR 3335-3200
Legal Range	21W
Legal Township	02S
Legal Section	28
Legal Subdivision	TREETOPS AT BAYSIDE
Legal Block	B
Legal Lot Number	9
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2006
Census Tract	950609

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	112 BAY TREE DR, MIRAMAR BEACH, FL 32550-7841
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2024 · Amount on Record
Deed Sale	Sep 10, 2024 · Amount on Record
Prior Sale	Jan 16, 2015 · Amount on Record
Deed Document Number	20240031821
Deed Book / Page	3335 / 3200
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	112 BAY TREE DR, MIRAMAR BEACH, FL 32550-7841
Document Number	0031453083
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Jul 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	112 BAY TREE DR MIRAMAR BEACH FL 325507841, MIRAMAR BEACH, FL 32550-7841

Mortgage

Document Number	0031453083
Date	Jun 8, 2020
Book Page	003145/003083
Instrument	19428

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2050

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		$414,656 (+5.74%) Land $85,000 Building $329,656	$414,656 (+5.74%) Land $85,000 Building $329,656
2024	$3,827.00 (+7.41%)
2023	$3,563.00 (+81.32%)	$392,163 (+8.87%) Land $53,735 Building $338,428	$392,163 (+8.87%) Land $53,735 Building $338,428
2022	$1,965.00 Homeowner's exemption	$360,222 Land $59,646 Building $300,576	$360,222 Land $59,646 Building $300,576

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 428 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	645 units insured incl. 217 condo units
Nearby Flood Claims	23 (1998–2024)
Claims Outside the SFHA	10 of 23
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 3 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 6 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	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% 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 337 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, LiveOak Fiber, Mediacom Xtream, Wildstar Networks.