Walton County property record for 175 Bay Tree Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,572 sqft · built 1997 |
| Lot Size | 0.131 acres (5,706 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $302,000 (Jun 2018) |
| Tax Bill | $3,745 (2025) |
| Deeds & Mortgages | Jun 2018 Sale & Mortgage Jun 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2S-21-42401-00A-0160 |
| Primary APN | 28-2S-21-42401-00A-0160 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,572 sqft Living Area |
| Gross Area | 2,312 sqft |
| 1st Floor Area | 1,572 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,706 sqft (0.131 acres) |
| Lot Dimensions | 102 ft deep x 57 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Porch | Enclosed/Finished Porch |
| Porch Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 175 BAY TREE DR |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-7843 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RP |
| Legal Description | LOT 16 BLK A TREETOPS AT BAYSIDE PB 10-23 OR 1660-340 OR 2213-370 OR 2836-1408 OR 3076-717 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | BAYSIDE |
| Legal Block | A |
| Legal Lot Number | 16 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 950609 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 175 BAY TREE DR, MIRAMAR BEACH, FL 32550-7843 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 11, 2018 | Warranty Deed, Transfer · VA Mortgage MORTGAGE ONE/SOUTH |
| Jun 20, 2017 | Deed of Trust, Mortgage · Line of Credit REEVES BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 11, 2018 · Amount on Record |
| Deed Sale | Jun 11, 2018 · Amount on Record |
| Prior Sale | Feb 25, 2010 · Amount on Record |
| Deed Document Number | 201819186 |
| Deed Book / Page | 3076 / 717 |
| Prior Transfer Date | Feb 22, 2010 |
| Prior Transfer Doc | 0028361408 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jun 11, 2018 |
| Property Address | 175 BAY TREE DR, MIRAMAR BEACH, FL 32550-7843 |
| Document Number | 0030760717 |
| Book / Page | 003076 / 000717 |
| Instrument Date | Jun 8, 2018 |
| Instrument | 19186 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2018 |
| Title Company | VINTAGE TITLE AND ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,114.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 175 BAY TREE DR MIRAMAR BEACH FL 325507843, MIRAMAR BEACH, FL 32550-7843 |
| Document Number | 30760720 |
|---|---|
| Date | Jun 11, 2018 |
| Book Page | 003076/000720 |
| Instrument | 19188 |
| Name | MORTGAGE ONE/SOUTH |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 10, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 175 BAY TREE DR, MIRAMAR BEACH, FL 32550-7843 |
| Document Number | 0030461145 |
| Book / Page | 003046 / 001145 |
| Instrument Date | Jun 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 175 BAY TREE DR DESTIN FL 325507843, DESTIN, FL 32550-7843 |
| Document Number | 0030461145 |
|---|---|
| Date | Jul 7, 2017 |
| Book Page | 003046/001145 |
| Instrument | 22370 |
| Name | REEVES BK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 6, 2032 |
| Rate Type | Adjustable Rate |
|---|
Source: Walton County assessment roll, as of December 3, 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 | $3,745.00 (+3.31%) | $424,029 (+5.57%) Land $85,000 Building $339,029 | $424,029 (+5.57%) Land $85,000 Building $339,029 |
| 2024 | $3,625.00 (+8.89%) | ||
| 2023 | $3,329.00 (+7.21%) | $401,657 (+8.95%) Land $53,735 Building $347,922 | $401,657 (+8.95%) Land $53,735 Building $347,922 |
| 2022 | $3,105.00 | $368,650 Land $59,646 Building $309,004 | $368,650 Land $59,646 Building $309,004 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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.
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