1305 Laurel Way, Miramar Beach, FL 32550 Property Records

Walton County property record for 1305 Laurel Way, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,739 sqft · built 2003
Lot Size	0.083 acres (3,615 sqft)
Owner	2 Individual Names on Record
Last Sale	$830,000 (Jan 2024)
Tax Bill	$6,052 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Aug 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-2S-21-42810-000-1305`

Property Details

APN / Parcel Number

Primary APN	`26-2S-21-42810-000-1305`
Alternative APNs	`26-221-42810-000-1305` `1052995`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,739 sqft Living Area
Gross Area	2,243 sqft
1st Floor Area	1,364 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2005
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,615 sqft (0.083 acres)
Lot Dimensions	66 ft deep x 55.5 ft wide
Porch	Finished/Open Porch
Porch Area	504 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1305 LAUREL WAY
City	MIRAMAR BEACH
State	FL
Zip	32550-7893
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 1305 LAUREL GROVE PH 1 PB 15 PG 69 AS DESC IN OR 2517-986. OR 3313-447
Legal Range	021
Legal Township	02S
Legal Section	26
Legal Subdivision	LAUREL GROVE PH 1
Legal Phase	1
Legal Block	13
Legal Lot Number	1305
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 March 6, 2026

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	1305 LAUREL WAY, MIRAMAR BEACH, FL 32550-7893
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2024	Warranty Deed, Transfer · Seller Carry-Back JAMES BEAN
Aug 21, 2017	Deed of Trust, Mortgage · Line of Credit MAGNOLIA STATE BANK
Oct 1, 2020	Deed of Trust, Mortgage · Line of Credit MAGNOLIA STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2024 · Amount on Record
Deed Sale	Jan 17, 2024 · Amount on Record
Deed Document Number	20241647
Deed Book / Page	3313 / 447
Last Transfer Date	Dec 9, 2024
Transfer Doc	0033440995
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 17, 2024
Property Address	1305 LAUREL WAY, MIRAMAR BEACH, FL 32550-7893
Document Number	0033130447
Book / Page	3313 / 447
Instrument Date	Jan 12, 2024
Instrument	20240001647
Transaction Type	Transfer
Record Updated	Feb 9, 2024
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,810.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 SANDY HOOK, HATTIESBURG, MS 39402-9513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 LAUREL WAY, MIRAMAR BEACH, FL 32550-7893

Mortgage

Document Number	0003313449
Date	Jan 17, 2024
Instrument	3313/449

Lender

Name	JAMES BEAN
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	12 Months
Due	Jan 12, 2025

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	1305 LAUREL WAY, MIRAMAR BEACH, FL 32550-7893
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030501431
Date	Aug 21, 2017
Book Page	3050/1431
Instrument	20170027750

Lender

Name	MAGNOLIA STATE BANK
Type	Bank
Address	HATTIESBURG, MS 39402

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Aug 15, 2020

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	1305 LAUREL WAY, MIRAMAR BEACH, FL 32550-7893
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 SANDY HOOK, HATTIESBURG, MS 39402-9513

Mortgage

Document Number	0031620165
Date	Oct 1, 2020
Book Page	3162/165
Instrument	20200038465

Lender

Name	MAGNOLIA STATE BANK
Type	Bank
Address	HATTIESBURG, MS 39402

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	35 Months
Due	Sep 15, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$6,052.00 (+6.01%)	$708,420 (-1.07%)	$710,925 (-0.72%) Land $103,516 Building $607,409
2024	$5,709.00 (+4.06%)
2023	$5,486.00 (+6.88%)	$716,101 (+8.59%) Land $108,692 Building $607,409	$716,101 (+8.59%) Land $108,692 Building $607,409
2022	$5,133.00	$659,443 Land $120,648 Building $538,795	$659,443 Land $120,648 Building $538,795

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 100 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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