15 Ruth St, Miramar Beach, FL 32550 Property Records

Walton County property record for 15 Ruth St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,552 sqft · built 2019
Lot Size	0.123 acres (5,401 sqft)
Owner	Individual Name on Record
Last Sale	$13,500 (Apr 2018)
Tax Bill	$5,032 (2024)
Deeds & Mortgages	May 2021 Transfer Jun 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00F-0140`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00F-0140`
Alternative APN	`1084704`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,552 sqft Living Area
Gross Area	3,415 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Tin
Lot Area	5,401 sqft (0.123 acres)
Lot Dimensions	10 ft deep x 5.5 ft wide
Garage Type	Finished
Garage Area	315 sqft

Exterior Amenities

Porch	Porch
Porch Area	548 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1084704
Street Address	15 RUTH ST
City	MIRAMAR BEACH
State	FL
Zip	32550-4640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 BLK F FRANGISTA BEACH 2ND ADDITION PB 3-41 OR 882-124 OR 1656-140 OR 2636-227 OR 3003-1281 OR 3014-1219 OR 3034-3147
Legal Range	21W
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BCH 2ND ADD S/D
Legal Block	F
Legal Lot Number	14
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1034
Census Tract	950609

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 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2021	Intrafamily Transfer, Transfer
Jun 24, 2019	Deed of Trust, Mortgage NEXBANK SSB
Apr 10, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Mar 2, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2018 · Amount on Record
Deed Sale	Apr 10, 2018 · Amount on Record
Prior Sale	Mar 2, 2017 · Amount on Record
Deed Document Number	2018000011526
Deed Book / Page	3070 / 2354
Record Updated	Jun 8, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	May 12, 2021
Property Address	15 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0031972449
Book / Page	3197 / 2449
Map Reference	MB 17 PG 71-71C
Instrument Date	May 12, 2021
Instrument	20210023712
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 RUTH ST, MIRAMAR BEACH, FL 32550-4640

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	15 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0031103517
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 19, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 MIRACLE STRIP PKWY SW FORT WALTON BEACH FL 325486616, FORT WALTON BEACH, FL 32548-6616

Mortgage

Document Number	0031103517
Date	Jul 3, 2019
Book Page	003110/003517
Instrument	22330

Lender

Name	NEXBANK SSB
Type	Federal Savings Bank
Address	DALLAS, TX 75201

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 2, 2034

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 10, 2018
Property Address	15 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0030702354
Book / Page	003070 / 002354
Instrument Date	Apr 6, 2018
Instrument	11526
Transaction Type	Transfer
Record Updated	Apr 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$945.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 MIRACLE STRIP PKWY SW FORT WALTON BEACH FL 325486616, FORT WALTON BEACH, FL 32548-6616

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 2, 2017
Property Address	15 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0030343147
Book / Page	003034 / 003147
Instrument Date	Mar 1, 2017
Instrument	6409
Transaction Type	Transfer
Record Updated	Apr 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$819.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4639 GULFSTARR DR DESTIN FL 325413716, DESTIN, FL 32541-3716

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		$1,071,389 (-10.54%) Land $400,000 Building $671,389	$1,071,389 (-10.54%) Land $400,000 Building $671,389
2024	$5,032.00 (+3.77%)
2023	$4,849.00 (+1.17%) Homeowner's exemption	$1,197,636 (+18.65%) Land $450,000 Building $747,636	$1,197,636 (+18.65%) Land $450,000 Building $747,636
2022	$4,793.00 Homeowner's exemption	$1,009,367 Land $283,050 Building $726,317	$1,009,367 Land $283,050 Building $726,317

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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