144 Penelope St, Miramar Beach, FL 32550 Property Records

Walton County property record for 144 Penelope St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,592 sqft · built 2017
Lot Size	0.162 acres (7,100 sqft)
Owner	2 Individual Names on File
Last Sale	$542,000 (Sep 2018)
Tax Bill	$7,883 (2024)
Deeds & Mortgages	Sep 2018 Sale & Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-2S-21-42060-00B-0110`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42060-00B-0110`
Alternative APN	`1063107`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,592 sqft Living Area
Gross Area	3,472 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2017
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,100 sqft (0.162 acres)
Lot Dimensions	14.2 ft deep x 5 ft wide
Garage Type	Finished
Garage Area	312 sqft
Porch	Porch
Porch Area	568 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1063107
Street Address	144 PENELOPE ST
City	MIRAMAR BEACH
State	FL
Zip	32550-4643
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLK B FRANGISTA BEACH 3RD ADDITION PB 17-71 OR 2728-3288 OR 2975-966 OR 3051-506 OR 3085-2343
Legal Range	21W
Legal Township	02S
Legal Section	29
Legal Subdivision	FRANGISTA BEACH 3RD ADDITION
Legal Block	B
Legal Lot Number	11
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1031
Census Tract	950609

Owner

144 Penelope St is owned by two individuals who bought it in September 2018.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	535 EVERGREEN DR, MANDEVILLE, LA 70448-7574
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS
Aug 30, 2017	Warranty Deed, Transfer · ARM SERVISFIRST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2018 · Amount on File
Deed Sale	Sep 20, 2018 · Amount on File
Prior Sale	Aug 30, 2017 · Amount on File
Deed Document Number	2018000031743
Deed Book / Page	3085 / 2343
Record Updated	Jun 8, 2026

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 20, 2018
Property Address	144 PENELOPE ST, MIRAMAR BEACH, FL 32550-4643
Document Number	0030852343
Book / Page	003085 / 002343
Instrument Date	Sep 13, 2018
Instrument	31743
Transaction Type	Transfer
Record Updated	Oct 10, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,794.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	535 EVERGREEN DR MANDEVILLE LA 704487574, MANDEVILLE, LA 70448-7574

Mortgage

Document Number	30852345
Date	Sep 20, 2018
Book Page	003085/002345
Instrument	31744

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Sep 19, 2033

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 30, 2017
Property Address	144 PENELOPE ST, MIRAMAR BEACH, FL 32550-4643
Document Number	0030510506
Book / Page	3051 / 0506
Map Reference	MB17 PG71-71C
Instrument Date	Aug 25, 2017
Instrument	20170028804
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	36468 EMERALD COAST PKWY STE 1201, 36468, DESTIN, FL 32541-3723

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 LEGACY PARC DR, MIRAMAR BEACH, FL 32550

Mortgage

Document Number	0030510508
Date	Aug 30, 2017
Instrument	3051/0508

Lender

Name	SERVISFIRST BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Sep 1, 2020
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	9.5%
Index	1-Year LIBOR
Max Rate	9.5%

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		$1,091,864 Land $475,000 Building $616,864	$1,091,864 Land $475,000 Building $616,864
2024	$7,883.00 (+4.56%)
2023	$7,539.00 (+9.34%)	$1,072,807 (+13.04%) Land $450,000 Building $622,807	$1,072,807 (+13.04%) Land $450,000 Building $622,807
2022	$6,895.00	$949,052 Land $283,050 Building $666,002	$949,052 Land $283,050 Building $666,002

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

Flood

FEMA maps place 144 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 144 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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