170 Penelope St, Miramar Beach, FL 32550 Property Records

Walton County property record for 170 Penelope St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,475 sqft · built 2018
Lot Size	0.169 acres (7,362 sqft)
Owner	2 Individual Names on Record
Last Sale	$545,000 (Jul 2018)
Tax Bill	$8,414 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-2S-21-42060-00B-0070`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42060-00B-0070`
Alternative APNs	`29-221-42060-00B-0070` `1063103`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,475 sqft Living Area
Gross Area	3,078 sqft
1st Floor Area	1,381 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	7,362 sqft (0.169 acres)
Lot Dimensions	136 ft deep x 25 ft wide
Garage Type	Attached
Garage Area	313 sqft
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	234 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	170 PENELOPE ST
City	MIRAMAR BEACH
State	FL
Zip	32550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NI
Legal Description	LOT 7 BLK B FRANGISTA BEACH 3RD ADDITION PB 17-71 OR 2728-3305 &-3343 &-3421 OR 2805-2265 OR 2888-4250 OR 2928-1330 OR 2964-3695 OR 3058-267 OR 3080-1564
Legal Range	021
Legal Township	02S
Legal Section	29
Legal Subdivision	FRANGISTA BEACH 3RD ADDITION
Legal Block	B
Legal Lot Number	7
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 June 9, 2026

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	514 HALEY ST SE, MARIETTA, GA 30060-2237
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage US MORTGAGE CORP
Jul 25, 2018	Warranty Deed, Transfer · Conventional Mortgage ATTORNEY
Nov 21, 2017	Warranty Deed, Transfer BURKE LAW AND TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2018 · Amount on Record
Deed Sale	Jul 25, 2018 · Amount on Record
Prior Sale	Nov 18, 2014 · Amount on Record
Deed Document Number	201824811
Deed Book / Page	3080 / 1564
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	170 PENELOPE ST, MIRAMAR BEACH, FL 32550
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031502842
Date	Jul 16, 2020
Book Page	3150/2842
Instrument	20200025353

Lender

Name	US MORTGAGE CORP
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 25, 2018
Property Address	170 PENELOPE ST, MIRAMAR BEACH, FL 32550
Document Number	0030801564
Book / Page	3080 / 1564
Map Reference	MB17 PG71-71C
Instrument Date	Jul 23, 2018
Instrument	2018000024811
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	543 DRIFTWOOD POINT RD, 543, SANTA ROSA BEACH, FL 32459-1017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 PENELOPE ST, MIRAMAR BEACH, FL 32550-4643

Mortgage

Document Number	0000000000
Date	Jul 25, 2018
Instrument	2018000024812

Lender

Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 21, 2017
Property Address	170 PENELOPE ST, MIRAMAR BEACH, FL 32550
Document Number	0030580267
Book / Page	003058 / 000267
Instrument Date	Nov 20, 2017
Instrument	38507
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	BURKE LAW AND TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$5,929.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1201 DRIFTWOOD POINT RD SANTA ROSA BEACH FL 324593030, SANTA ROSA BEACH, FL 32459-3030
Investor	Possibly a Property Investor

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	$8,414.00 (+4.53%)	$1,130,289 (+2.49%) Land $522,500 Building $607,789	$1,130,289 (+2.49%) Land $522,500 Building $607,789
2024	$8,049.00 (+4.53%)
2023	$7,700.00 (+7.8%)	$1,102,789 (+10.43%) Land $495,000 Building $607,789	$1,102,789 (+10.43%) Land $495,000 Building $607,789
2022	$7,143.00	$998,657 Land $339,660 Building $658,997	$998,657 Land $339,660 Building $658,997

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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