151 Penelope St, Miramar Beach, FL 32550 Property Records

Walton County property record for 151 Penelope St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,363 sqft · built 2017
Lot Size	0.173 acres (7,536 sqft)
Owner	Company Name on Record
Last Sale	$546,000 (Oct 2017)
Tax Bill	$7,422 (2025)
Deeds & Mortgages	Sep 2017 Line of Credit Oct 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-2S-21-42060-00B-0020`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42060-00B-0020`
Alternative APNs	`29-221-42060-00B-0020` `1063098`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,363 sqft Living Area
Gross Area	2,832 sqft
1st Floor Area	996 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	7,536 sqft (0.173 acres)
Lot Dimensions	138 ft deep x 57 ft wide
Garage Type	Attached
Garage Area	294 sqft
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	175 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	151 PENELOPE ST
City	MIRAMAR BEACH
State	FL
Zip	32550-4644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK B FRANGISTA BEACH 3RD ADD PB 17-71 OR 2728-3286 OR 2975-972 OR 3028-2423 OR 3044-3952 OR 3055-3660
Legal Range	021
Legal Township	02S
Legal Section	29
Legal Subdivision	FRANGISTA BEACH 3RD ADD
Legal Block	B
Legal Lot Number	2
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1031
Census Tract	950609

Owner

Source: Walton County records, as of April 14, 2026

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

Owner of Record	Company Name on Record
Mailing Address	4504 GARY MIKEL AVE, METAIRIE, LA 70002-1458
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2017	Deed of Trust, Mortgage · Line of Credit HERITAGE BANK USA INC
Oct 24, 2017	Warranty Deed, Transfer MCNEESE TITLE LLC
Jun 22, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2017 · Amount on Record
Deed Sale	Oct 24, 2017 · Amount on Record
Prior Sale	Dec 15, 2016
Deed Document Number	201735208
Deed Book / Page	3055 / 3660
Record Updated	Jun 8, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	151 PENELOPE ST, MIRAMAR BEACH, FL 32550-4644
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030512792
Date	Sep 5, 2017
Book Page	3051/2792
Instrument	20170029427

Lender

Name	HERITAGE BANK USA INC
Type	Bank
Address	FULTON, KY 42041

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Aug 25, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 24, 2017
Property Address	151 PENELOPE ST, MIRAMAR BEACH, FL 32550-4644
Document Number	0030553660
Book / Page	003055 / 003660
Instrument Date	Oct 23, 2017
Instrument	35208
Transaction Type	Transfer
Record Updated	Nov 8, 2017
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$3,822.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4504 GARY MIKEL AVE METAIRIE LA 700021458, METAIRIE, LA 70002-1458

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Jun 22, 2017
Property Address	151 PENELOPE ST, MIRAMAR BEACH, FL 32550-4644
Document Number	0030443952
Book / Page	003044 / 003952
Instrument Date	Jun 12, 2017
Instrument	20483
Transaction Type	Transfer
Record Updated	Jul 20, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 E STATE LINE ST SOUTH FULTON TN 382572152, SOUTH FULTON, TN 38257-2152

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 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	$7,422.00 (+4.18%)	$1,008,180 (+1.98%) Land $475,000 Building $533,180	$1,008,180 (+1.98%) Land $475,000 Building $533,180
2024	$7,124.00 (+4.46%)
2023	$6,820.00 (+10.39%)	$988,600 (+14.79%) Land $450,000 Building $538,600	$988,600 (+14.79%) Land $450,000 Building $538,600
2022	$6,178.00	$861,220 Land $283,050 Building $578,170	$861,220 Land $283,050 Building $578,170

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
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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