Walton County property record for 15 Bay Tree Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,649 sqft · built 1998 |
| Lot Size | 0.158 acres (6,882 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $550,000 (May 2025) |
| Tax Bill | $4,265 (2025) |
| Deeds & Mortgages | Mar 2017 Line of Credit Oct 2020 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2S-21-42401-00A-0010 |
| Primary APN | 28-2S-21-42401-00A-0010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,649 sqft Living Area |
| Gross Area | 2,345 sqft |
| 1st Floor Area | 1,649 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,882 sqft (0.158 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 456 sqft |
| Porch | Enclosed/Finished Porch |
| Porch Area | 240 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 15 BAY TREE DR |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-4882 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RP |
| Legal Description | LOT 1 BLK A TREETOPS AT BAYSIDE PB 10-23 OR 1809-17 OR 2677-4981 OR 2697-2397 OR 2697-2402 OR 2697-2409 OR 2697-2411 OR 2803-374 OR 3092-2377 OR 3162-4220 OR 3357-2416 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | BAYSIDE |
| Legal Block | A |
| Legal Lot Number | 1 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 950609 |
Source: Walton County records, as of December 3, 2025
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 | 4231 COMMONS DR W, 3103, DESTIN, FL 32541-8629 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 2, 2017 | Deed of Trust, Mortgage · Line of Credit ARMY AVIATION CENTER FCU |
| Oct 5, 2020 | Warranty Deed, Transfer MCNEESE TITLE LLC |
| Nov 8, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Dec 13, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 2, 2025 · Amount on Record |
| Deed Sale | May 2, 2025 · Amount on Record |
| Prior Sale | Oct 5, 2020 · Amount on Record |
| Deed Document Number | 202515276 |
| Deed Book / Page | 3357 / 2416 |
| Prior Transfer Date | Dec 12, 2018 |
| Prior Transfer Doc | 0030922377 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 15 BAY TREE DR, MIRAMAR BEACH, FL 32550-4882 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030343079 |
|---|---|
| Date | Mar 2, 2017 |
| Book Page | 3034/3079 |
| Instrument | 20170006390 |
| Name | ARMY AVIATION CENTER FCU |
|---|---|
| Type | Credit Union |
| Address | DOTHAN, AL 36303 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 263 Months |
| Due | Feb 15, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Oct 5, 2020 |
| Property Address | 15 BAY TREE DR, MIRAMAR BEACH, FL 32550-4882 |
| Document Number | 0031624220 |
| Book / Page | 003162 / 004220 |
| Instrument Date | Sep 28, 2020 |
| Instrument | 39306 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2020 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,814.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 846 STARKVILLE MS 397600846, STARKVILLE, MS 39760-0846 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 15 BAY TREE DR, MIRAMAR BEACH, FL 32550-4882 |
| Document Number | 0031241768 |
| Instrument Date | Nov 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15 BAY TREE DR MIRAMAR BEACH FL 325504882, MIRAMAR BEACH, FL 32550-4882 |
| Document Number | 0031241768 |
|---|---|
| Date | Nov 15, 2019 |
| Book Page | 003124/001768 |
| Instrument | 40138 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 14, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Dec 13, 2018 |
| Property Address | 15 BAY TREE DR, MIRAMAR BEACH, FL 32550-4882 |
| Document Number | 0030922377 |
| Book / Page | 003092 / 002377 |
| Instrument Date | Dec 12, 2018 |
| Instrument | 41336 |
| Transaction Type | Transfer |
| Record Updated | Jan 2, 2019 |
| Amount | Amount Recorded |
|---|---|
| Tax | $312.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15 BAY TREE DR MIRAMAR BEACH FL 325504882, MIRAMAR BEACH, FL 32550-4882 |
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 | $4,265.00 (+3.37%) | $479,076 (+4.74%) Land $85,000 Building $394,076 | $479,076 (+4.74%) Land $85,000 Building $394,076 |
| 2024 | $4,126.00 (+8.44%) | ||
| 2023 | $3,805.00 (+7.49%) | $457,383 (+9.46%) Land $53,735 Building $403,648 | $457,383 (+9.46%) Land $53,735 Building $403,648 |
| 2022 | $3,540.00 | $417,852 Land $59,646 Building $358,206 | $417,852 Land $59,646 Building $358,206 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 428 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 645 units insured incl. 217 condo units |
| Nearby Flood Claims | 23 (1998–2024) |
| Claims Outside the SFHA | 10 of 23 |
| Most Recent Claim | Sep 2024 · rainfall accumulation |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 303 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: CenturyLink, LiveOak Fiber, Mediacom Xtream, T-Mobile, Wildstar Networks.
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