175 Penelope St, Miramar Beach, FL 32550 Property Records

Walton County property record for 175 Penelope St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,298 sqft · built 2017
Lot Size	0.151 acres (6,578 sqft)
Owner	Individual Name on Record
Last Sale	$1,225,000 (Mar 2022)
Tax Bill	$9,748 (2024)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-2S-21-42060-00B-0050`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42060-00B-0050`
Alternative APN	`1063101`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,298 sqft Living Area
Gross Area	2,833 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2017
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,578 sqft (0.151 acres)
Lot Dimensions	12.5 ft deep x 2.5 ft wide
Garage Type	Finished
Garage Area	273 sqft

Exterior Amenities

Porch	Porch
Porch Area	262 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1063101
Street Address	175 PENELOPE ST
City	MIRAMAR BEACH
State	FL
Zip	32550-4644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLK B FRANGISTA BEACH 3RD ADDITION PB 17-71 OR 2728-3286 OR 2975-962 OR 3054-1609 OR 3245-61
Legal Range	21W
Legal Township	02S
Legal Section	29
Legal Subdivision	FRANGISTA BEACH 3RD ADDITION
Legal Block	B
Legal Lot Number	5
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
Co-owner	Co-owner on Record
Mailing Address	59 SHOREHAM DR, ROCHESTER, NY 14618-4107
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Mar 25, 2022	Warranty Deed, Transfer · Conventional Mortgage CNB MORTGAGE CO
Mar 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIVATE INDIVIDUAL
Oct 6, 2017	Warranty Deed, Transfer · VA Mortgage TRIDENT HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2022 · Amount on Record
Deed Sale	Mar 25, 2022 · Amount on Record
Prior Sale	Apr 2, 2015 · Amount on Record
Deed Document Number	20220014308
Deed Book / Page	3245 / 61
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	175 PENELOPE ST, MIRAMAR BEACH, FL 32550-4644
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 EXECUTIVE DR 117, 117, STONEHAM, MA 02180-0037

Mortgage

Document Number	0032030081
Date	Jun 17, 2021
Book Page	3203/81
Instrument	20210030478

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

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

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 25, 2022
Property Address	175 PENELOPE ST, MIRAMAR BEACH, FL 32550-4644
Document Number	0032450061
Book / Page	3245 / 61
Map Reference	MB 17 PG 71
Instrument Date	Mar 9, 2022
Instrument	20220014308
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	BRIGHT LINE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	118 OLD ESSEX RD, 118, MANCHESTER, MA 01944-1208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	59 SHOREHAM DR, ROCHESTER, NY 14618-4107

Mortgage

Document Number	0000324563
Date	Mar 25, 2022
Instrument	3245/63

Lender

Name	CNB MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	175 PENELOPE ST, MIRAMAR BEACH, FL 32550-4644
Document Number	0031364120
Instrument Date	Mar 11, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	175 PENELOPE ST MIRAMAR BEACH FL 325504644, MIRAMAR BEACH, FL 32550-4644

Mortgage

Document Number	0031364120
Date	Mar 17, 2020
Book Page	003136/004120
Instrument	9739

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	PENSACOLA, FL 32501-3903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 16, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 6, 2017
Property Address	175 PENELOPE ST, MIRAMAR BEACH, FL 32550-4644
Document Number	0030541609
Book / Page	003054 / 001609
Instrument Date	Oct 2, 2017
Instrument	33117
Transaction Type	Transfer
Record Updated	Oct 25, 2017
Title Company	BRADLEY TITLE CORPORATION, BRADLEY TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,563.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	175 PENELOPE ST MIRAMAR BEACH FL 32550, MIRAMAR BEACH, FL 32550

Mortgage

Document Number	30541610
Date	Oct 6, 2017
Book Page	003054/001610
Instrument	33118

Lender

Name	TRIDENT HM LNS
Type	Funding / Finance Company
Address	GULF BREEZE, FL 32561

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 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		$1,089,450 (+2.08%) Land $522,500 Building $566,950	$1,089,450 (+2.08%) Land $522,500 Building $566,950
2024	$9,748.00 (+0.53%)
2023	$9,697.00 (+60.12%)	$1,067,210 (+26.39%) Land $495,000 Building $572,210	$1,067,210 (+26.39%) Land $495,000 Building $572,210
2022	$6,056.00	$844,387 Land $283,050 Building $561,337	$844,387 Land $283,050 Building $561,337

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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