Walton County property record for 163 Bay Tree Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,668 sqft · built 1996 |
| Lot Size | 0.13 acres (5,706 sqft) |
| Owner | Individual Name on File |
| Last Sale | $485,000 (Jan 2024) |
| Tax Bill | $1,909 (2024) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Nov 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2S-21-42401-00A-0150 |
| Primary APN | 28-2S-21-42401-00A-0150 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,668 sqft Living Area |
| Gross Area | 2,302 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,706 sqft (0.13 acres) |
| Lot Dimensions | 10.2 ft deep x 5.7 ft wide |
| Garage Type | Finished |
| Garage Area | 420 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Porch | Porch |
| Porch Area | 214 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1060411 |
|---|---|
| Street Address | 163 BAY TREE DR |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-7843 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 15 BLK A TREETOPS AT BAYSIDE PB 10-23 OR 1764-232 OR 2027-213 OR 3273-4322 OR 3314-746 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | TREETOPS AT BAYSIDE |
| Legal Block | A |
| Legal Lot Number | 15 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 950609 |
163 Bay Tree Dr is owned by an individual who bought it in January 2024.
Source: Walton County records, as of December 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 8080 N SUNRISE LAKES DR APT 111, 111, SUNRISE, FL 33322-1641 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 30, 2024 | Warranty Deed, Transfer · Commercial Mortgage THE FIRST A NATIONAL BANKING ASSN |
| Nov 23, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 30, 2024 · Amount on File |
| Deed Sale | Jan 30, 2024 · Amount on File |
| Prior Sale | Nov 23, 2022 |
| Deed Document Number | 20240003140 |
| Deed Book / Page | 3314 / 746 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jan 30, 2024 |
| Property Address | 163 BAY TREE DR, MIRAMAR BEACH, FL 32550-7843 |
| Document Number | 0033140746 |
| Book / Page | 3314 / 746 |
| Map Reference | MB 10 PG 23 |
| Instrument Date | Jan 17, 2024 |
| Instrument | 20240003140 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2024 |
| Title Company | SHORELINE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,395.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 448 COX RD, SANTA ROSA BEACH, FL 32459-5294 |
| Name | Verified Name |
|---|---|
| Address | 8080 N SUNRISE LAKES DR APT 111, 111, SUNRISE, FL 33322-1641 |
| Document Number | 0003314748 |
|---|---|
| Date | Jan 30, 2024 |
| Instrument | 3314/748 |
| Name | THE FIRST A NATIONAL BANKING ASSN |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Nov 23, 2022 |
| Property Address | 163 BAY TREE DR, MIRAMAR BEACH, FL 32550-7843 |
| Document Number | 0032734322 |
| Book / Page | 3273 / 4322 |
| Instrument Date | Nov 21, 2022 |
| Instrument | 20220051023 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 464 PHILLIPS DR, FREEPORT, FL 32439-6154 |
| Name | Verified Name |
|---|---|
| Address | 163 BAY TREE DR, MIRAMAR BEACH, FL 32550-7843 |
Source: Walton County assessment roll, as of July 1, 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 | $400,118 Land $85,000 Building $315,118 | $400,118 Land $85,000 Building $315,118 | |
| 2024 | $1,909.00 (+4.15%) | ||
| 2023 | $1,833.00 (-5.27%) Homeowner's exemption | $377,217 (+8.7%) Land $53,735 Building $323,482 | $377,217 (+8.7%) Land $53,735 Building $323,482 |
| 2022 | $1,935.00 Homeowner's exemption | $347,040 Land $59,646 Building $287,394 | $347,040 Land $59,646 Building $287,394 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 163 Bay Tree Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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.
Wildfire risk around 163 Bay Tree Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% 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 337 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Fiber · Cable in parts of the area | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: CenturyLink, LiveOak Fiber, Mediacom Xtream, Wildstar Networks.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures