1297 Laurel Way, Miramar Beach, FL 32550 Property Records

Walton County property record for 1297 Laurel Way, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,266 sqft · built 2006
Lot Size	0.092 acres (4,008 sqft)
Owner	Company Name on Record
Last Sale	$359,600 (Mar 2021)
Tax Bill	$5,051 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Mar 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-2S-21-42812-000-1297`

Property Details

APN / Parcel Number

Primary APN	`26-2S-21-42812-000-1297`
Alternative APNs	`26-221-42812-000-1297` `1053057`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,266 sqft Living Area
Gross Area	1,504 sqft
1st Floor Area	1,266 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	4,008 sqft (0.092 acres)
Lot Dimensions	73 ft deep x 55 ft wide
Porch	Finished/Open Porch
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1297 LAUREL WAY
City	MIRAMAR BEACH
State	FL
Zip	32550-1878
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 1297 LAUREL GROVE PH V PB 17-52 OR 2719-4362 OR 3109-4176 OR 3190-2125
Legal Range	021
Legal Township	02S
Legal Section	26
Legal Subdivision	LAUREL GROVE PHASE V S/D
Legal Phase	5
Legal Block	12
Legal Lot Number	1297
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	3
Census Block	3012
Census Tract	950607

Owner

Source: Walton County records, as of April 14, 2026

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

Owner of Record	Company Name on Record
Mailing Address	3704 CYPRESS SPRINGS PL, LOUISVILLE, KY 40245-7400
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK & TRUST CO
Mar 30, 2021	Warranty Deed, Transfer
Jun 27, 2019	Warranty Deed, Transfer · Conventional Mortgage REPUBLIC BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2021 · Amount on Record
Deed Sale	Mar 30, 2021 · Amount on Record
Prior Sale	Jun 27, 2019 · Amount on Record
Deed Document Number	202115359
Deed Book / Page	3190 / 2125
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	1297 LAUREL WAY, MIRAMAR BEACH, FL 32550-1878
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	FREIBERT & MATTINGLY TTL GRO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3704 CYPRESS SPRINGS PL, LOUISVILLE, KY 40245-7400

Mortgage

Document Number	0031702636
Date	Nov 24, 2020
Book Page	3170/2636
Instrument	20200048228

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 30, 2021
Property Address	1297 LAUREL WAY, MIRAMAR BEACH, FL 32550-1878
Document Number	0031902125
Book / Page	3190 / 2125
Map Reference	MB 17 PG 52&52A
Instrument Date	Mar 30, 2021
Instrument	20210015359
Transaction Type	Transfer
Record Updated	Dec 7, 2021

Transaction

Amount	Amount Recorded
Tax	$2,517.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3704 CYPRESS SPRINGS PL, 3704, LOUISVILLE, KY 40245-7400

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3704 CYPRESS SPRINGS PL, LOUISVILLE, KY 40245-7400

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 27, 2019
Property Address	1297 LAUREL WAY, MIRAMAR BEACH, FL 32550-1878
Document Number	0031094176
Book / Page	3109 / 4176
Map Reference	MB 17 PG 52&52A
Instrument Date	Jun 18, 2019
Instrument	20190021390
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	VINTAGE TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,045.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7414 BANNING WAY, 7414, TALLAHASSEE, FL 32309-8106

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3704 CYPESS SPRING PLACE, LOUISVILLE, KY 40245-7400

Mortgage

Document Number	0031094178
Date	Jun 27, 2019
Instrument	3109/4178

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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	$5,051.00 (-2.02%)	$559,010 (-1.88%) Land $103,516 Building $455,494	$559,010 (-1.88%) Land $103,516 Building $455,494
2024	$5,155.00 (-0.41%)
2023	$5,176.00 (+5.81%)	$569,727 (+7.91%) Land $103,516 Building $466,211	$569,727 (+7.91%) Land $103,516 Building $466,211
2022	$4,892.00	$527,944 Land $114,903 Building $413,041	$527,944 Land $114,903 Building $413,041

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 530 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,379 units insured incl. 849 condo units
Nearby Flood Claims	14 (2001–2021)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 6 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 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% 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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber	2,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Mediacom Xtream.

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