120 Payne St, Miramar Beach, FL 32550 Property Records

Walton County property record for 120 Payne St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	10 bd · 10.5 ba · 5,698 sqft · built 2023
Lot Size	0.231 acres (10,062 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,600,000 (Mar 2024)
Tax Bill	$26,034 (2025)
Deeds & Mortgages	Mar 2024 Transfer Mar 2024 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42980-000-0010`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42980-000-0010`
Alternative APN	`30-221-42980-000-0010`

Interior

Bedrooms	10 Beds
Full Baths	10.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	5,698 sqft Living Area
Gross Area	8,354 sqft
Flooring	Tile
Elevator	Elevator

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	10,062 sqft (0.231 acres)
Lot Dimensions	183 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	308 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	120 PAYNE ST
City	MIRAMAR BEACH
State	FL
Zip	32550-6864
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 PAYNE STREET COTTAGES PB 24-33 OR 3243-3990 OR 3296-1131 OR 3318-4260 OR 3318-4258
Legal Subdivision	PAYNE STREET COTTAGES
Legal Lot Number	1
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2009
Census Tract	950608

Owner

Source: Walton County records, as of December 3, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	4316 WHITE ASH LN, NAPERVILLE, IL 60564-1141
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2024	Quit Claim Deed, Transfer AQUA TITLE SERVICES
Mar 20, 2024	Warranty Deed, Construction Loan · Construction Mortgage BANK OF AMERICA NA
Jul 20, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2024 · Amount on Record
Deed Sale	Mar 20, 2024 · Amount on Record
Prior Sale	Jul 20, 2023 · Amount on Record
Deed Document Number	20249520
Deed Book / Page	3318 / 4258
Prior Transfer Date	Mar 14, 2024
Prior Transfer Doc	0033184260
Record Updated	Sep 20, 2026

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Mar 20, 2024
Property Address	120 PAYNE ST, MIRAMAR BEACH, FL 32550-6864
Document Number	0033184260
Book / Page	3318 / 4260
Map Reference	MB 24 PG 33
Instrument Date	Mar 14, 2024
Instrument	20240009521
Transaction Type	Transfer
Record Updated	May 16, 2024
Title Company	AQUA TITLE SERVICES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	93 ANCHOR BAY DR, NEWNAN, GA 30263-4836

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4316 WHITE ASH LN, NAPERVILLE, IL 60564-1141

March 2024: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 20, 2024
Property Address	120 PAYNE ST, MIRAMAR BEACH, FL 32550-6864
Document Number	0033184258
Book / Page	3318 / 4258
Map Reference	MB 24 PGS 33 THROUGH
Instrument Date	Mar 14, 2024
Instrument	20240009520
Transaction Type	Construction Loan
Record Updated	May 16, 2024
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$25,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	93 ANCHOR BAY DR, NEWNAN, GA 30263-4836

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4316 WHITE ASH LN, NAPERVILLE, IL 60564-1141

Mortgage

Document Number	20240009522
Date	Mar 20, 2024
Instrument	20240009522

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 15, 2039

Mortgage

Document Number	OR33184261
Date	Mar 20, 2024
Book Page	OR3318/4261
Instrument	20240009522

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	20 GREENWAY PLZ STE 900, HOUSTON, TX 77046

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 15, 2039

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 20, 2023
Property Address	120 PAYNE ST, MIRAMAR BEACH, FL 32550-6864
Document Number	0032961131
Book / Page	3296 / 1131
Map Reference	MB 24 PG 33&34
Instrument Date	Jul 17, 2023
Instrument	20230025691
Transaction Type	Transfer
Record Updated	May 16, 2024
Title Company	BURKE LAW AND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	337 DRIFTWOOD POINT RD, SANTA ROSA BEACH, FL 32459-3027

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	93 ANCHOR BAY DR, NEWNAN, GA 30263-4836

Mortgage

Document Number	0032961133
Date	Jul 20, 2023
Instrument	3296/1133

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

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	$26,034.00 (+6.21%)	$2,881,322 (+1,340.72%) Land $225,000 Building $2,656,322	$2,881,322 (+1,340.72%) Land $225,000 Building $2,656,322
2024	$24,511.00 (+1,248.98%)
2023	$1,817.00 (-11.67%)	$199,992 (-9.91%) Land $199,992	$199,992 (-9.91%) Land $199,992
2022	$2,057.00	$221,991 Land $221,991	$221,991 Land $221,991

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 203 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	706 units insured incl. 503 condo units
Nearby Flood Claims	3 (2014–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2020 · Hurricane Sally

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	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 437 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
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Wildstar Networks.

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