15 Heron Pointe Ct, Miramar Beach, FL 32550 Property Records

Walton County property record for 15 Heron Pointe Ct, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,484 sqft · built 1997
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Sep 2020)
Tax Bill	$2,819 (2024)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-2S-21-42400-00A-0290`

Property Details

APN / Parcel Number

Primary APN	`28-2S-21-42400-00A-0290`
Alternative APN	`1060373`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,484 sqft Living Area
Gross Area	2,060 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	10.6 ft deep x 4 ft wide
Garage Type	Finished
Garage Area	440 sqft

Exterior Amenities

Porch	Porch
Porch Area	136 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1060373
Street Address	15 HERON POINTE CT
City	MIRAMAR BEACH
State	FL
Zip	32550-4599
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 29 BLK A PHASE 1 OF BAYDIDE S/D PB 9-22 OR 1168-265 OR 2874-2001 OR 3158-1699
Legal Range	21W
Legal Township	02S
Legal Section	28
Legal Subdivision	OF BAYDIDE S/D
Legal Phase	1
Legal Block	A
Legal Lot Number	29
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1017
Census Tract	950608

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	15 HERON POINTE CT, MIRAMAR BEACH, FL 32550-4599
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2020 · Amount on Record
Deed Sale	Sep 3, 2020 · Amount on Record
Prior Sale	Sep 26, 2011 · Amount on Record
Deed Document Number	20200034270
Deed Book / Page	3158 / 1699
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 3, 2020
Property Address	15 HERON POINTE CT, MIRAMAR BEACH, FL 32550-4599
Document Number	0031581699
Book / Page	3158 / 1699
Map Reference	MB 9 PG 22
Instrument Date	Aug 31, 2020
Instrument	20200034270
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2750 SAVANNAH LN, 2750, CRESTVIEW, FL 32539-6363

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 HERON POINTE CT, MIRAMAR BEACH, FL 32550-4599

Mortgage

Document Number	0031581701
Date	Sep 3, 2020
Instrument	3158/1701

Lender

Name	BEACH COMMUNITY MORTGAGE SERVICES I
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

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		$343,540 (-13.42%) Land $85,000 Building $258,540	$343,540 (-13.42%) Land $85,000 Building $258,540
2024	$2,819.00 (-7.91%)
2023	$3,061.00 (+1.29%) Homeowner's exemption	$396,778 (+8.91%) Land $53,735 Building $343,043	$396,778 (+8.91%) Land $53,735 Building $343,043
2022	$3,022.00 Homeowner's exemption	$364,314 Land $59,646 Building $304,668	$364,314 Land $59,646 Building $304,668

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Hurricane Sally, Sep 2020 · 5 claims Hurricane Michael, Oct 2018 · 2 claims Hurricane Frances, Sep 2004 · 2 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 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.

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 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.