1. Home
  2. Florida
  3. Walton County
  4. Miramar Beach
  5. Bay Tree Dr

148 Bay Tree Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 148 Bay Tree Dr, Miramar Beach, FL 32550 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,568 sqft · built 1997
Lot Size0.138 acres (6,011 sqft)
Owner2 Individual Names on File
Last Sale$339,000 (Nov 2020)
Tax Bill$3,284 (2025)
Deeds & MortgagesNov 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN28-2S-21-42401-00B-0120

Property Details

APN / Parcel Number

Primary APN28-2S-21-42401-00B-0120
Alternative APNs
  • 28-221-42401-00B-0120
  • 1060431

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,568 sqft Living Area
Gross Area2,324 sqft
1st Floor Area1,568 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,011 sqft (0.138 acres)
Lot Dimensions107 ft deep x 55 ft wide
Garage TypeAttached
Garage Area484 sqft
PorchFinished Screened Porch
Porch Area272 sqft
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address148 BAY TREE DR
CityMIRAMAR BEACH
StateFL
Zip32550-7841
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 12 BLK B TREETOPS AT BAYSIDE PB 10-23 OR 1593-250 OR 2456-913 OR 2513-259 OR 2631-2811 OR 2766-1780 OR 3005-1799 OR 3168-210
Legal Range021
Legal Township02S
Legal Section28
Legal SubdivisionBAYSIDE
Legal BlockB
Legal Lot Number12
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group2
Census Block2006
Census Tract950609

Owner

Source: Walton County records · APN 28-2S-21-42401-00B-0120

Assessment roll updated December 3, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address148 BAY TREE DR, MIRAMAR BEACH, FL 32550-7841
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 06, 2020 · Amount on Record
Deed SaleNov 06, 2020 · Amount on Record
Prior SaleJul 02, 2007 · Amount on Record
Deed Document Number202045305
Deed Book / Page3168 / 210
Prior Transfer DateMar 23, 2016
Prior Transfer Doc0030051799
Record UpdatedJun 08, 2026

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateNov 06, 2020
Property Address148 BAY TREE DR, MIRAMAR BEACH, FL 32550-7841
Document Number0031680210
Book / Page3168 / 210
Map ReferenceMB 10 PG 23
Instrument DateNov 05, 2020
Instrument20200045305
Transaction TypeTransfer
Record UpdatedDec 30, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,373.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0003168212
DateNov 06, 2020
Instrument3168/212
Lender
NameRENASANT BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2050

Tax Assessment & Valuation

Source: Walton County records · Assessment roll updated December 3, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,284.00 (+2.02%) Homeowner's exemption$402,085 (+5.99%)$402,308 (+6.05%) Land $85,000 Building $317,308
2024$3,219.00 (+3.87%)
2023$3,099.00 (+4.59%) Homeowner's exemption$379,372 (+8.76%) Land $53,735 Building $325,637$379,372 (+8.76%) Land $53,735 Building $325,637
2022$2,963.00$348,824 Land $59,646 Building $289,178$348,824 Land $59,646 Building $289,178

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Walton County (12131C), updated June 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121319506092, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance CostPremium on Record
median of 428 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies645 units insured
217 under condo master policies
Nearby Flood Claims23 (1998–2024)
Claims Outside the SFHA10 of 23
Most Recent ClaimSep 2024, rainfall accumulation
Claims By Storm
  • Hurricane Sally, Sep 2020 · 3 claims
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 6 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 337 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cox CommunicationsFiber2,000 / 35
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20

May also be available at this address: Cox Communications, Wildstar Networks, Mediacom Communications, LiveOak Fiber, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Bay Tree Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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