12 Penelope St, Miramar Beach, FL 32550 Property Records

Walton County property record for 12 Penelope St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,249 sqft · built 2019
Lot Size	0.13 acres (5,706 sqft)
Owner	Individual Name on File
Last Sale	$1,625,000 (May 2021)
Tax Bill	$12,065 (2024)
Deeds & Mortgages	May 2021 Sale & Mortgage Jan 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00F-0010`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00F-0010`
Alternative APN	`1071836`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	3 Stories
Building Area	3,249 sqft Living Area
Gross Area	3,915 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,706 sqft (0.13 acres)
Lot Dimensions	10 ft deep x 5.5 ft wide

Exterior Amenities

Porch	Porch
Porch Area	666 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1071836
Street Address	12 PENELOPE ST
City	MIRAMAR BEACH
State	FL
Zip	32550-4641
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK F FRANGISTA BEACH 2ND ADDITION PB 3-41 OR 882-124 OR 1656-140 OR 2636-227 OR 3003-1281 OR 3014-1208 OR 3044-4390 OR
Legal Range	21W
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BCH 2ND ADD S/D
Legal Block	F
Legal Lot Number	1 14
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1034
Census Tract	950609

Owner

12 Penelope St is owned by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Mailing Address	2583 LEACH DR, NAPERVILLE, IL 60564-8907
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
May 25, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jan 26, 2021	Deed of Trust, Mortgage · Commercial Mortgage RENASANT BANK
Oct 22, 2018	Deed of Trust, Mortgage · Commercial Mortgage TRUSTMARK NATIONAL BANK
May 10, 2018	Grant Deed MEAD LAW AND TITLE
Apr 27, 2018	Warranty Deed, Transfer · Commercial Mortgage MIDSOUTH BANK
Jun 23, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2021 · Amount on File
Deed Sale	May 25, 2021 · Amount on File
Prior Sale	Aug 15, 2018 · Amount on File
Deed Document Number	20210026095
Deed Book / Page	3199 / 2022
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 25, 2021
Property Address	12 PENELOPE ST, MIRAMAR BEACH, FL 32550-4641
Document Number	0031992022
Book / Page	3199 / 2022
Map Reference	MB 3 PG 41
Instrument Date	May 20, 2021
Instrument	20210026095
Transaction Type	Transfer
Record Updated	Jun 10, 2021
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,375.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 6723, MIRAMAR BEACH, FL 32550-1013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2583 LEACH DR, NAPERVILLE, IL 60564-8907

Mortgage

Document Number	31992024
Date	May 25, 2021
Instrument	3199/2024

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	12 PENELOPE ST, MIRAMAR BEACH, FL 32550-4641
Transaction Type	Mortgage
Record Updated	Mar 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	179 SHORE DR, MIRAMAR BEACH, FL 32550-3902

Mortgage

Document Number	0031801068
Date	Jan 26, 2021
Book Page	3180/1068
Instrument	20210003714

Lender

Name	RENASANT BANK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	50 Months
Due	Mar 15, 2025

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	12 PENELOPE ST, MIRAMAR BEACH, FL 32550-4641
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030880102
Date	Oct 22, 2018
Book Page	3088/0102
Instrument	2018000035158

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	SANTA ROSA BEACH, FL 32459

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 12, 2023

May 2018: Grant Deed

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	May 10, 2018
Property Address	12 PENELOPE ST, MIRAMAR BEACH, FL 32550-4641
Document Number	0030731396
Book / Page	003073 / 001396
Instrument Date	May 7, 2018
Instrument	15320
Record Updated	May 31, 2018
Title Company	MEAD LAW AND TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	75 BEAL PKWY FORT WALTON BEACH FL 32548, FORT WALTON BEACH, FL 32548

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 27, 2018
Property Address	12 PENELOPE ST, MIRAMAR BEACH, FL 32550-4641
Document Number	0030720379
Book / Page	3072 / 0379
Map Reference	MB3 PG41
Instrument Date	Apr 27, 2018
Instrument	2018000013820
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MEAD LAW & TITLE

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	55 NORTHWYNN DR, 55, SHARPSBURG, GA 30277-2197

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75 BEAL PKWY, FORT WALTON BEACH, FL 32548

Mortgage

Document Number	2018000013821
Date	Apr 27, 2018
Instrument	2018000013821

Lender

Name	MIDSOUTH BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 23, 2017
Property Address	12 PENELOPE ST, MIRAMAR BEACH, FL 32550-4641
Document Number	0030444390
Book / Page	003044 / 004390
Instrument Date	Jun 22, 2017
Instrument	20635
Transaction Type	Transfer
Record Updated	Jul 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$854.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	55 NORTHWYNN DR SHARPSBURG GA 302772197, SHARPSBURG, GA 30277-2197

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		$1,160,624 Land $400,000 Building $760,624	$1,160,624 Land $400,000 Building $760,624
2024	$12,065.00 (+3.06%)
2023	$11,707.00 (+10.96%)	$1,329,380 (+16.76%) Land $450,000 Building $879,380	$1,329,380 (+16.76%) Land $450,000 Building $879,380
2022	$10,551.00	$1,138,603 Land $283,050 Building $855,553	$1,138,603 Land $283,050 Building $855,553

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

Flood

FEMA maps place 12 Penelope St 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 A, within 500 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

The area around 12 Penelope 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 360 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: CenturyLink, T-Mobile, Wildstar Networks.

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