Walton County property record for 146 Crest Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,152 sqft · built 1990 |
| Lot Size | 0.288 acres (12,545 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $27,800 (Jun 2002) |
| Tax Bill | $108 (2023) |
| Deeds & Mortgages | Sep 2021 Mortgage Jan 2020 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 28-2S-21-42280-000-0133 |
| Primary APN | 28-2S-21-42280-000-0133 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| Gross Area | 1,928 sqft |
| 1st Floor Area | 1,152 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 12,545 sqft (0.288 acres) |
| Lot Dimensions | 148 ft deep x 85 ft wide |
| Porch | Open/Unfinished Porch |
| Porch Area | 776 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 146 CREST DR |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-8668 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COM SE/C OF NW1/4 OF SEC N 01 DEG 15'00 E 643.5 FT, N 88 DE G 22'00 W 820.33 FT TO POB S 01 DEG 15'00 W 148.5 FT, N 88 DEG 22'00 W 85 FT, N 01 DEG 15'00 E 148.5 FT, S 88 DEG 22'00 E 85 FT TO POB LYING IN GOVT LOT 13(S/D OF E1/2 OF LOT 2 & SW1/4 O |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | S/D OF E1/4 OF LOT 2 |
| Legal Block | 1 |
| Legal Lot Number | 133 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 950608 |
146 Crest Dr is owned and occupied by two individuals who bought it in June 2002.
Source: Walton County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 146 CREST DR, MIRAMAR BEACH, FL 32550-8668 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 7, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 2002 · Amount on File |
| Deed Sale | Jun 11, 2002 · Amount on File |
| Deed Document Number | 2002717971 |
| Deed Book / Page | 2411 / 332 |
| Prior Transfer Date | Jun 7, 2002 |
| Prior Transfer Doc | 0024110332 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 146 CREST DR, MIRAMAR BEACH, FL 32550-8668 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0032180727 |
|---|---|
| Date | Sep 28, 2021 |
| Book Page | 3218/727 |
| Instrument | 20210048504 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 146 CREST DR, MIRAMAR BEACH, FL 32550-8668 |
| Document Number | 0031302209 |
| Instrument Date | Jan 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 146 CREST DR MIRAMAR BEACH FL 325508668, MIRAMAR BEACH, FL 32550-8668 |
| Document Number | 0031302209 |
|---|---|
| Date | Jan 17, 2020 |
| Book Page | 003130/002209 |
| Instrument | 1830 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 16, 2050 |
Source: Walton County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $172,558 | $315,794 Land $201,000 Building $114,794 | |
| 2023 | $108.00 (-49.06%) Homeowner's exemption | $288,023 (+27.32%) Land $170,000 Building $118,023 | $288,023 (+27.32%) Land $170,000 Building $118,023 |
| 2022 | $212.00 Homeowner's exemption | $226,226 Land $120,940 Building $105,286 | $226,226 Land $120,940 Building $105,286 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 146 Crest Dr in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 148 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 148 in force |
| Nearby Flood Claims | 12 (2004–2024) |
| Claims Outside the SFHA | 5 of 12 |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| Claims by Event |
|
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.
The area around 146 Crest Dr 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 91 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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