114 Mainsail Dr, Unit 182, Miramar Beach, FL 32550 Property Records

Walton County property record for 114 Mainsail Dr, Unit 182, Miramar Beach, FL 32550

Property Summary

Property Type	Condominium
Lot Size	0.014 acres (612 sqft)
Owner	Individual Name on File
Last Sale	$950,000 (Sep 2022)
Tax Bill	$4,996 (2024)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-2S-21-42410-000-1820`

Property Details

APN / Parcel Number

Primary APN	`33-2S-21-42410-000-1820`
Alternative APN	`1074567`

Exterior

Lot Area	612 sqft (0.014 acres)

Location & Zoning

Account Number	1074567
Street Address	114 MAINSAIL DR UNIT 182, 182
City	MIRAMAR BEACH
State	FL
Zip	32550-7139
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 182 PHASE I OF MAINSAIL CONDO AND INT IN COMMON ELEMENT AS RECD IN OR 260-138
Legal Range	21W
Legal Township	02S
Legal Section	33
Legal Subdivision	AS RECD IN OR
Legal Phase	1
Legal Lot Number	1820
Legal Unit	182
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950609

Owner

114 Mainsail Dr, Unit 182 is owned by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2520 SUCK CREEK RD, CHATTANOOGA, TN 37405-9734
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2022 · Amount on File
Deed Sale	Sep 6, 2022 · Amount on File
Deed Document Number	20220040176
Deed Book / Page	3265 / 3934
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 6, 2022
Property Address	114 MAINSAIL DR UNIT 182, 182, MIRAMAR BEACH, FL 32550-7139
Document Number	0032653934
Book / Page	3265 / 3934
Map Reference	MB 260 PG 138
Instrument Date	Aug 29, 2022
Instrument	20220040176
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	35 BETHANY BAY, DESTIN, FL 32541-3757

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2520 SUCK CREEK RD, CHATTANOOGA, TN 37405-9734
Investor	Possibly a Property Investor

Mortgage

Document Number	0032653937
Date	Sep 6, 2022
Instrument	3265/3937

Lender

Name	COGENT BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	59 Months
Due	Aug 29, 2027

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		$662,012 (+21.03%) Building $662,012	$662,012 (+21.03%) Building $662,012
2024	$4,996.00 (+0.52%)	$546,998 (-) Building $546,998	$546,998 (-) Building $546,998
2023	$4,970.00 (+31.03%)	$546,998 (+25%) Building $546,998	$546,998 (+25%) Building $546,998
2022	$3,793.00	$437,598 Building $437,598	$437,598 Building $437,598

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 114 Mainsail Dr, Unit 182 in Zone X, an area of minimal flood risk, within 100 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 VE, within 100 ft
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

Wildfire risk around 114 Mainsail Dr, Unit 182 is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 241 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
AT&T Fixed Wireless	100 / 20

May also be available: Mediacom Xtream, Wildstar Networks.

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