116 Open Gulf St, Miramar Beach, FL 32550 Property Records

Walton County property record for 116 Open Gulf St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,124 sqft · built 2010
Lot Size	0.224 acres (9,757 sqft)
Owner	Individual Name on File
Last Sale	$710,000 (Oct 2018)
Tax Bill	$10,039 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`33-2S-21-42180-002-0260`

Property Details

APN / Parcel Number

Primary APN	`33-2S-21-42180-002-0260`
Alternative APNs	`33-221-42180-002-0260` `1073752`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,124 sqft Living Area
Gross Area	3,133 sqft
1st Floor Area	1,110 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	9,757 sqft (0.224 acres)
Lot Dimensions	196 ft deep x 50 ft wide
Porch	Open/Unfinished Porch
Porch Area	1,279 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	116 OPEN GULF ST
City	MIRAMAR BEACH
State	FL
Zip	32550-4159
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CC
Legal Description	LOT 26 BLK 2 A.E. RICHARDS S/D OR 1178-63 ALSO DESC AS: COM NE/C OF SEC 33, N 88 DEG W 439.4FT, S 02 DEG 15'W 685.7FT TO POB, S 02 DEG 15'W 50FT, S 83 DEG W 196.4FT,N 02 DEG 15'E 50FT, N 83 DEG E 196.4FT TO POB. OR 2829-136 OR 3012-3664 OR 3088-1510
Legal Range	021
Legal Township	02S
Legal Section	33
Legal Subdivision	RICHARDS
Legal Block	2
Legal Lot Number	26
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950609

Owner

116 Open Gulf St is owned by an individual who bought it in October 2018.

Source: Walton County records, as of June 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	8909 WATERSIDE CIR, INDIANAPOLIS, IN 46278-1158
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITYWORTH MORTGAGE LLC
Oct 24, 2018	Warranty Deed, Transfer · ARM BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2018 · Amount on File
Deed Sale	Oct 24, 2018 · Amount on File
Prior Sale	Jun 16, 2016 · Amount on File
Deed Document Number	201835563
Deed Book / Page	3088 / 1510
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	116 OPEN GULF ST, MIRAMAR BEACH, FL 32550-4159
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CLA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8909 WATERSIDE CIR, INDIANAPOLIS, IN 46278-1158

Mortgage

Document Number	0031600114
Date	Sep 21, 2020
Book Page	3160/114
Instrument	20200036231

Lender

Name	CITYWORTH MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22033

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 24, 2018
Property Address	116 OPEN GULF ST, MIRAMAR BEACH, FL 32550-4159
Document Number	0030881510
Book / Page	3088 / 1510
Instrument Date	Oct 22, 2018
Instrument	2018000035563
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 43873, BIRMINGHAM, AL 35243-0873

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8909 WATERSIDE CIR, INDIANAPOLIS, IN 46278-1158

Mortgage

Document Number	2018000035564
Date	Oct 24, 2018
Instrument	2018000035564

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Nov 1, 2028
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	6.5%
Index	1-Year LIBOR
Max Rate	9.5%

Tax Assessment & Valuation

The 2025 property tax bill for 116 Open Gulf St was $10,039, up 3.5% 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	$10,039.00 (+3.49%)	$1,158,351 Land $460,000 Building $698,351	$1,158,351 Land $460,000 Building $698,351
2024	$9,700.00 (+4.5%)
2023	$9,282.00 (+13.72%)	$1,178,740 (+21.85%) Land $450,785 Building $727,955	$1,178,740 (+21.85%) Land $450,785 Building $727,955
2022	$8,162.00	$967,357 Land $500,372 Building $466,985	$967,357 Land $500,372 Building $466,985

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

Flood

FEMA maps place 116 Open Gulf St in Zone X, an area of moderate flood risk, though there have been 64 flood claims nearby since 1995.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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

The area around 116 Open Gulf St 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 230 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 · Fiber in parts of the area	2,000 / 35
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: REV, Wildstar Networks.

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