130 Penelope St, Miramar Beach, FL 32550 Property Records

Walton County property record for 130 Penelope St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,034 sqft · built 2016
Lot Size	0.195 acres (8,494 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Apr 2018)
Tax Bill	$7,479 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-2S-21-42060-00B-0120`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42060-00B-0120`
Alternative APNs	`29-221-42060-00B-0120` `1063108`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,034 sqft Living Area
Gross Area	2,600 sqft
1st Floor Area	1,059 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	8,494 sqft (0.195 acres)
Lot Dimensions	145 ft deep x 86 ft wide
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	542 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	130 PENELOPE ST
City	MIRAMAR BEACH
State	FL
Zip	32550-4643
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 12 BLK B FRANGISTA BEACH 3RD ADDITION PB 17-71 OR 2728-3288 OR 2975-958 OR 3070-4842 OR 3216-4654 OR 3227-3404
Legal Range	021
Legal Township	02S
Legal Section	29
Legal Subdivision	FRANGISTA BEACH 3RD ADDITION
Legal Block	B
Legal Lot Number	12
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1031
Census Tract	950609

Owner

130 Penelope St is owned and occupied by two individuals who acquired it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	130 PENELOPE ST, MIRAMAR BEACH, FL 32550-4643
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 2, 2021	Correction Deed ATTORNEY ONLY, ATTORNEY
Sep 20, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 16, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2018 · Amount on File
Deed Sale	Apr 16, 2018 · Amount on File
Prior Sale	Mar 1, 2015 · Amount on File
Deed Document Number	201812282
Deed Book / Page	3070 / 4842
Last Transfer Date	Dec 1, 2021
Transfer Doc	0032273404
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	130 PENELOPE ST, MIRAMAR BEACH, FL 32550-4643
Transaction Type	Mortgage
Record Updated	Dec 15, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031931174
Date	Apr 16, 2021
Book Page	3193/1174
Instrument	20210018655

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

December 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	WALTON FL
Recording Date	Dec 2, 2021
Property Address	130 PENELOPE ST, MIRAMAR BEACH, FL 32550-4643
Document Number	0032273404
Book / Page	3227 / 3404
Map Reference	MB 17 PG 71
Instrument Date	Dec 1, 2021
Instrument	20210059410
Record Updated	Dec 15, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 PENELOPE ST, 130, MIRAMAR BEACH, FL 32550-4643

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 PENELOPE ST, MIRAMAR BEACH, FL 32550-4643

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Sep 20, 2021
Property Address	130 PENELOPE ST, MIRAMAR BEACH, FL 32550-4643
Document Number	0032164654
Book / Page	3216 / 4654
Map Reference	MB 17 PG 71
Instrument Date	Sep 16, 2021
Instrument	20210046972
Transaction Type	Transfer
Record Updated	Dec 15, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 PENELOPE ST, 130, MIRAMAR BEACH, FL 32550-4643

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 PENELOPE ST, MIRAMAR BEACH, FL 32550-4643

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 16, 2018
Property Address	130 PENELOPE ST, MIRAMAR BEACH, FL 32550-4643
Document Number	0030704842
Book / Page	003070 / 004842
Instrument Date	Apr 9, 2018
Instrument	12282
Transaction Type	Transfer
Record Updated	May 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,430.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	130 PENELOPE ST MIRAMAR BEACH FL 325504643, MIRAMAR BEACH, FL 32550-4643

Mortgage

Document Number	30704845
Date	Apr 16, 2018
Book Page	003070/004845
Instrument	12284

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 15, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 130 Penelope St was $7,479, up 4.6% 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	$7,479.00 (+4.57%)	$1,005,492 Land $475,000 Building $530,492	$1,005,492 Land $475,000 Building $530,492
2024	$7,152.00 (+4.2%)
2023	$6,864.00 (+10.62%)	$985,548 (+15.2%) Land $450,000 Building $535,548	$985,548 (+15.2%) Land $450,000 Building $535,548
2022	$6,205.00	$855,530 Land $283,050 Building $572,480	$855,530 Land $283,050 Building $572,480

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

Flood

FEMA maps place 130 Penelope St in Zone X, an area of minimal 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 minimal risk
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 130 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.

Nearby Properties on Penelope St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures