16 Gulfside Way, Miramar Beach, FL 32550 Property Records

Walton County property record for 16 Gulfside Way, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,934 sqft · built 2002
Lot Size	0.107 acres (4,661 sqft)
Owner	2 Individual Names on Record
Last Sale	$965,000 (Nov 2024)
Tax Bill	$7,552 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-2S-21-42530-000-0020`

Property Details

APN / Parcel Number

Primary APN	`33-2S-21-42530-000-0020`
Alternative APNs	`33-221-42530-000-0020` `1074782`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	1,934 sqft Living Area
Gross Area	2,510 sqft
1st Floor Area	842 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	4,661 sqft (0.107 acres)
Lot Dimensions	85 ft deep x 55 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Driveway	Brick Driveway

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	288 sqft
Deck Area	Deck Area
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	16 GULFSIDE WAY
City	MIRAMAR BEACH
State	FL
Zip	32550-4164
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CC
Legal Description	LOT 2 GULFSIDE COTTAGES S/D PB 11-24 OR 2426-1347 OR 2610-1543 OR 2610-1544 OR 2790-3395 OR 2806-4041 OR 2967-4999 OR 3222-4335 OR 3342-4896
Legal Range	21W
Legal Township	02S
Legal Section	33
Legal Subdivision	GULFSIDE COTTAGES
Legal Lot Number	2
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950609

Owner

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	10412 148TH AVE SE, RENTON, WA 98059-4207
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Warranty Deed, Transfer · Commercial Mortgage FIRST COMMUNITY BANK OF CENTRAL ALA
Sep 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2024 · Amount on Record
Deed Sale	Nov 26, 2024 · Amount on Record
Prior Sale	Oct 29, 2021 · Amount on Record
Deed Document Number	202441288
Deed Book / Page	3342 / 4896
Prior Transfer Date	Nov 28, 2008
Prior Transfer Doc	0028064039
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 29, 2021
Property Address	16 GULFSIDE WAY, MIRAMAR BEACH, FL 32550-4164
Document Number	0032224335
Book / Page	3222 / 4335
Map Reference	MB 11 PG 24&24A
Instrument Date	Oct 27, 2021
Instrument	20210053923
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9011 MAUREENS POND, BOERNE, TX 78015-4785

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 953, WETUMPKA, AL 36092-0016
Investor	Possibly a Property Investor

Mortgage

Document Number	0032224339
Date	Oct 29, 2021
Instrument	3222/4339

Lender

Name	FIRST COMMUNITY BANK OF CENTRAL ALA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 20, 2036

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	16 GULFSIDE WAY, MIRAMAR BEACH, FL 32550-4164
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 GULFSIDE WAY, MIRAMAR BEACH, FL 32550-4164

Mortgage

Document Number	0031582823
Date	Sep 4, 2020
Book Page	3158/2823
Instrument	20200034519

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

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

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	$7,552.00 (-14.69%)	$835,801 (-13.97%) Land $195,000 Building $640,801	$835,801 (-13.97%) Land $195,000 Building $640,801
2024	$8,852.00 (+6.09%)
2023	$8,344.00 (+13.63%)	$971,538 (+22.61%) Land $120,553 Building $850,985	$971,538 (+22.61%) Land $120,553 Building $850,985
2022	$7,343.00	$792,373 Land $133,814 Building $658,559	$792,373 Land $133,814 Building $658,559

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 230 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 · Fiber in parts of the area	2,000 / 35
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: REV, Wildstar Networks.

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