164 Penelope St, Miramar Beach, FL 32550 Property Records

Walton County property record for 164 Penelope St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,592 sqft · built 2017
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$541,000 (Sep 2017)
Tax Bill	$10,182 (2024)
Deeds & Mortgages	Aug 2023 Sale Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-2S-21-42060-00B-0080`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42060-00B-0080`
Alternative APN	`1063104`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,592 sqft Living Area
Gross Area	3,192 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2017
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	14.3 ft deep x 2.5 ft wide
Garage Type	Finished
Garage Area	312 sqft

Exterior Amenities

Porch	Porch
Porch Area	288 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1063104
Street Address	164 PENELOPE ST
City	MIRAMAR BEACH
State	FL
Zip	32550-4643
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLK B FRANGISTA BEACH 3RD ADDITION PB 17-71 OR 2728-3288 OR 2975-966 OR 3052-713 OR 3298-789
Legal Range	21W
Legal Township	02S
Legal Section	29
Legal Subdivision	FRANGISTA BEACH 3RD ADDITION
Legal Block	B
Legal Lot Number	8
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 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	1031 FIRESTONE DR, FRANKLIN, TN 37067-1593
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2023	Quit Claim Deed, Transfer Quitclaim
Sep 12, 2017	Warranty Deed, Transfer WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2017 · Amount on Record
Deed Sale	Sep 12, 2017 · Amount on Record
Prior Sale	Apr 2, 2015 · Amount on Record
Deed Document Number	0030520713
Deed Book / Page	003052 / 000713
Last Transfer Date	Aug 7, 2023
Transfer Doc	0032980789
Record Updated	Jun 8, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Aug 7, 2023
Property Address	164 PENELOPE ST, MIRAMAR BEACH, FL 32550-4643
Document Number	0032980789
Book / Page	3298 / 789
Map Reference	MB 17-71
Instrument Date	Jun 2, 2023
Instrument	20230028100
Transaction Type	Transfer
Record Updated	Sep 1, 2023

Transaction

Amount	Amount Recorded
Tax	$2,240.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1031 FIRESTONE DR, FRANKLIN, TN 37067-1593

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3413 W SAN JUAN ST, TAMPA, FL 33629-7901

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 12, 2017
Property Address	164 PENELOPE ST, MIRAMAR BEACH, FL 32550-4643
Document Number	0030520713
Book / Page	003052 / 000713
Instrument Date	Sep 8, 2017
Instrument	30198
Transaction Type	Transfer
Record Updated	Oct 9, 2017
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,787.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	100 CRESTHAVEN DR MADISON AL 357587571, MADISON, AL 35758-7571

Mortgage

Document Number	30520715
Date	Sep 12, 2017
Book Page	003052/000715
Instrument	30199

Lender

Name	WELLS FARGO BK
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2047

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		$1,184,305 (+6.24%) Land $522,500 Building $661,805	$1,184,305 (+6.24%) Land $522,500 Building $661,805
2024	$10,182.00 (+73.87%)
2023	$5,856.00 (+6.09%) Homeowner's exemption	$1,114,731 (+11.76%) Land $495,000 Building $619,731	$1,114,731 (+11.76%) Land $495,000 Building $619,731
2022	$5,520.00 Homeowner's exemption	$997,447 Land $325,508 Building $671,939	$997,447 Land $325,508 Building $671,939

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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