176 Open Gulf St, Miramar Beach, FL 32550 Property Records

Walton County property record for 176 Open Gulf St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	6 bd · 6.5 ba · 2,921 sqft · built 2005
Lot Size	0.11 acres (4,792 sqft)
Owner	Company Name on Record
Last Sale	$1,666,500 (Apr 2026)
Tax Bill	$13,789 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`33-2S-21-42185-000-0010`

Property Details

APN / Parcel Number

Primary APN	`33-2S-21-42185-000-0010`
Alternative APNs	`33-221-42185-000-0010` `1073769`

Interior

Bedrooms	6 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,921 sqft Living Area
Gross Area	3,264 sqft
1st Floor Area	1,028 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	98 ft deep x 50 ft wide
Driveway	Brick Driveway

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	343 sqft
Deck Area	Deck Area
Gazebo	Gazebo

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	176 OPEN GULF ST
City	MIRAMAR BEACH
State	FL
Zip	32550-4159
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CC
Legal Description	LOT 1 MIRAMAR BEACH COTTAGES PB 15-5 OR 2465-623 OR 2589-1745 OR 2629-691 OR 2688-4891 OR 2867-1711 OR 3080-4012 OR 3214-3131
Legal Range	021
Legal Township	02S
Legal Section	33
Legal Subdivision	MIRAMAR BEACH COTTAGES
Legal Lot Number	1
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950609

Owner

Source: Walton County records, as of May 5, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	1086 E 1466 RD, LAWRENCE, KS 66046-5510
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Warranty Deed, Transfer · Conventional Mortgage OAKTREE FUNDING CORPORATION
Apr 23, 2026	Warranty Deed, Transfer · Conventional Mortgage OAKTREE FUNDING CORPORATION
Sep 2, 2021	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Jul 31, 2018	Warranty Deed, Transfer · Conventional Mortgage RODGERS KIEFER TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2026 · Amount on Record
Deed Sale	Apr 23, 2026 · Amount on Record
Prior Sale	Sep 2, 2021 · Amount on Record
Deed Document Number	202616125
Deed Book / Page	3395 / 2520
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 23, 2026
Property Address	176 OPEN GULF ST, MIRAMAR BEACH, FL 32550-4159
Document Number	0000016125
Book / Page	3395 / 2520
Instrument Date	Apr 17, 2026
Instrument	2026.16125
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	MCNEESE TITLE LLC, MCNEESE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,178,215.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	1086 E 1466 RD, LAWRENCE, KS 66046-5510

Mortgage

Document Number	0000016126,
Date	Apr 23, 2026
Instrument	2026..16126

Lender

Name	OAKTREE FUNDING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 23, 2026
Property Address	176 OPEN GULF ST, MIRAMAR BEACH, FL 32550-4159
Document Number	0033952520
Book / Page	3395 / 2520
Instrument Date	Apr 17, 2026
Instrument	202616125
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	MCNEESE TITLE LLC, MCNEESE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,178,215.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	1086 E 1466 RD, LAWRENCE, KS 66046-5510

Mortgage

Document Number	0000016126,
Date	Apr 23, 2026
Instrument	202616126

Lender

Name	OAKTREE FUNDING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 2, 2021
Property Address	176 OPEN GULF ST, MIRAMAR BEACH, FL 32550-4159
Document Number	0032143131
Book / Page	3214 / 3131
Map Reference	MB 15 PG 5
Instrument Date	Aug 31, 2021
Instrument	20210044210
Transaction Type	Transfer
Record Updated	Feb 20, 2024
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	$11,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9432 CHEROKEE TRL, TYLER, TX 75703-7684

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 OPEN GULF ST, MIRAMAR BEACH, FL 32550-4159
Investor	Possibly a Property Investor

Mortgage

Document Number	0032143133
Date	Sep 2, 2021
Instrument	3214/3133

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 31, 2018
Property Address	176 OPEN GULF ST, MIRAMAR BEACH, FL 32550-4159
Document Number	0030804012
Book / Page	3080 / 4012
Map Reference	MB15 PG05
Instrument Date	Jul 26, 2018
Instrument	2018000025451
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	RODGERS KIEFER TITLE

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	610 HARVEY CT, 610, FARMINGTON, MO 63640-2101

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9432 CHEROKEE TRL, TYLER, TX 75703-7684

Mortgage

Document Number	0000000000
Date	Jul 31, 2018
Instrument	2018000025452

Lender

Type	Non-Lending Institution

Agreement

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

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	$13,789.00 (-1.78%)	$1,526,131 (-2.76%) Land $575,000 Building $951,131	$1,526,131 (-2.76%) Land $575,000 Building $951,131
2024	$14,039.00 (-0.26%)
2023	$14,076.00 (+9.11%)	$1,569,459 (+12.74%) Land $575,000 Building $994,459	$1,569,459 (+12.74%) Land $575,000 Building $994,459
2022	$12,901.00	$1,392,135 Land $500,372 Building $891,763	$1,392,135 Land $500,372 Building $891,763

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
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 230 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 · Fiber in parts of the area	2,000 / 35
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: REV, Wildstar Networks.

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