174 Penelope St, Miramar Beach, FL 32550 Property Records

Walton County property record for 174 Penelope St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,236 sqft · built 2016
Lot Size	0.116 acres (5,053 sqft)
Owner	Company Name on Record
Tax Bill	$8,555 (2024)
Deeds & Mortgages	Sep 2023 Sale Oct 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-2S-21-42060-00B-0060`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42060-00B-0060`
Alternative APN	`1063102`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,236 sqft Living Area
Gross Area	2,776 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2016
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,053 sqft (0.116 acres)
Lot Dimensions	10.5 ft deep x 2.5 ft wide
Garage Type	Finished
Garage Area	260 sqft
Porch	Porch
Porch Area	280 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1063102
Street Address	174 PENELOPE ST
City	MIRAMAR BEACH
State	FL
Zip	32550-4643
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLK B FRANGISTA BEACH 3RD ADDITION PB 17-71 OR 2728-3286 OR 2975-968 OR 2992-4832 OR 3060-2463 OR 3203-4299 OR
Legal Range	21W
Legal Township	02S
Legal Section	29
Legal Subdivision	FRANGISTA BEACH 3RD ADDITION
Legal Block	B
Legal Lot Number	6
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	Company Name on Record
Mailing Address	7901 4TH ST N STE 300, 300, SAINT PETERSBURG, FL 33702-4399
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Oct 28, 2022	Deed of Trust, Mortgage · Line of Credit ALL IN FCU
Jun 22, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 20, 2017	Warranty Deed, Transfer · Line of Credit FARMERS EXCHANGE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2023
Deed Sale	Sep 11, 2023
Prior Sale	Jun 22, 2021 · Amount on Record
Deed Document Number	20230032649
Deed Book / Page	3301 / 3059
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 11, 2023
Property Address	174 PENELOPE ST, MIRAMAR BEACH, FL 32550-4643
Document Number	0033013059
Book / Page	3301 / 3059
Map Reference	MB 17 PG 71-71C
Instrument Date	Sep 6, 2023
Instrument	20230032649
Transaction Type	Transfer
Record Updated	Oct 11, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7901 4TH ST N # N300, N300, SAINT PETERSBURG, FL 33702-4305

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7901 4TH ST N STE 300, 300, SAINT PETERSBURG, FL 33702-4399

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	174 PENELOPE ST, MIRAMAR BEACH, FL 32550-4643
Transaction Type	Mortgage
Record Updated	Nov 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032711939
Date	Oct 28, 2022
Book Page	3271/1939
Instrument	20220047712

Lender

Name	ALL IN FCU
Type	Credit Union
Address	DALEVILLE, AL 36322

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	264 Months
Due	Oct 16, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 22, 2021
Property Address	174 PENELOPE ST, MIRAMAR BEACH, FL 32550-4643
Document Number	0032034299
Book / Page	3203 / 4299
Map Reference	MB 17 PG 71-71C
Instrument Date	Jun 18, 2021
Instrument	20210031515
Transaction Type	Transfer
Record Updated	Jul 7, 2021
Title Company	CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6634 WINDOW ROCK LN, 6634, MORRISON, CO 80465-9641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 PENELOPE ST, MIRAMAR BEACH, FL 32550-4643

Mortgage

Document Number	32034301
Date	Jun 22, 2021
Instrument	3203/4301

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 20, 2017
Property Address	174 PENELOPE ST, MIRAMAR BEACH, FL 32550-4643
Document Number	0030602463
Book / Page	3060 / 2463
Map Reference	MB17 PG71-71C
Instrument Date	Dec 15, 2017
Instrument	2017000041641
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	BURKE LAW & TITLE LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	339 BRINGIER PL, 339, SHREVEPORT, LA 71106-8392

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6634 WINDOW ROCK LN, MORRISON, CO 80465-9641

Mortgage

Document Number	2017000041642
Date	Dec 20, 2017
Instrument	2017000041642

Lender

Name	FARMERS EXCHANGE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$960,432 (+1.97%) Land $451,250 Building $509,182	$960,432 (+1.97%) Land $451,250 Building $509,182
2024	$8,555.00 (+2.2%)
2023	$8,371.00 (+10.01%)	$941,863 (+14.71%) Land $427,500 Building $514,363	$941,863 (+14.71%) Land $427,500 Building $514,363
2022	$7,609.00	$821,080 Land $268,898 Building $552,182	$821,080 Land $268,898 Building $552,182

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.

Nearby Properties on Penelope St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures