18 Lake St, Miramar Beach, FL 32550 Property Records

Walton County property record for 18 Lake St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,570 sqft · built 2018
Lot Size	0.118 acres (5,140 sqft)
Owner	2 Individual Names on File
Last Sale	$587,300 (Aug 2020)
Tax Bill	$7,971 (2025)
Deeds & Mortgages	May 2019 Mortgage Aug 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00J-0060`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00J-0060`
Alternative APNs	`32-221-42050-00J-0060` `1071888`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,570 sqft Living Area
Gross Area	3,170 sqft
1st Floor Area	1,500 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,140 sqft (0.118 acres)
Lot Dimensions	102 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	312 sqft
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	288 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	18 LAKE ST
City	MIRAMAR BEACH
State	FL
Zip	32550-5002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 6 BLK J FRANGISTA BEACH 2ND ADDITION PB 3-41 OR 1754-243 OR 2619-2550 OR 2621-4231 OR 2848-4227 OR 2854-858 OR 3047-2276 OR 3092-2486 OR 3138-632 OR 3154-4899
Legal Range	021
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BEACH 2ND ADDITION
Legal Block	J
Legal Lot Number	6
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1042
Census Tract	950609

Owner

18 Lake St is owned by two individuals who bought it in August 2020.

Source: Walton County records, as of December 3, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2880 HIGHWAY 421 W, PARSONS, TN 38363
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 29, 2019	Deed of Trust, Mortgage · Commercial Mortgage WHITNEY BANK
Aug 13, 2020	Warranty Deed, Transfer AQUA TITLE SERVICES, AQUA TITLE SVCS
Mar 27, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 14, 2018	Warranty Deed, Transfer · Conventional Mortgage WHITNEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2020 · Amount on File
Deed Sale	Aug 13, 2020 · Amount on File
Prior Sale	Dec 14, 2018 · Amount on File
Deed Document Number	202030337
Deed Book / Page	3154 / 4899
Prior Transfer Date	Mar 24, 2020
Prior Transfer Doc	0031380632
Record Updated	Jun 8, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	18 LAKE ST, MIRAMAR BEACH, FL 32550-5002
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031063487
Date	May 29, 2019
Book Page	3106/3487
Instrument	20190017270

Lender

Name	WHITNEY BANK
Type	Bank
Address	PENSACOLA, FL 32504

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	84 Months
Due	May 23, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 13, 2020
Property Address	18 LAKE ST, MIRAMAR BEACH, FL 32550-5002
Document Number	0031544899
Book / Page	003154 / 004899
Instrument Date	Aug 12, 2020
Instrument	30337
Transaction Type	Transfer
Record Updated	Sep 22, 2020
Title Company	AQUA TITLE SERVICES, AQUA TITLE SVCS

Transaction

Amount	Amount on Record
Tax	$4,111.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2880 HIGHWAY 412 W PARSONS TN 383632820, PARSONS, TN 38363-2820

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Mar 27, 2020
Property Address	18 LAKE ST, MIRAMAR BEACH, FL 32550-5002
Document Number	0031380632
Book / Page	003138 / 000632
Instrument Date	Mar 24, 2020
Instrument	11214
Transaction Type	Transfer
Record Updated	Jun 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	18 LAKE ST MIRAMAR BEACH FL 325505002, MIRAMAR BEACH, FL 32550-5002

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 14, 2018
Property Address	18 LAKE ST, MIRAMAR BEACH, FL 32550-5002
Document Number	0030922486
Book / Page	3092 / 2486
Map Reference	MB 3 PG 41
Instrument Date	Dec 13, 2018
Instrument	2018000041379
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
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	1144 TROON DR, 1144, MIRAMAR BEACH, FL 32550-4509

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3159 CLUB DR, MIRAMAR BEACH, FL 32550-7807

Mortgage

Document Number	2018000041381
Date	Dec 14, 2018
Instrument	2018000041381

Lender

Name	WHITNEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 18 Lake St was $7,971, down 4.3% from the year before.

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	$7,971.00 (-4.26%)	$1,014,603 Land $400,000 Building $614,603	$1,014,603 Land $400,000 Building $614,603
2024	$8,326.00 (+4.45%)
2023	$7,971.00 (+12.52%)	$1,156,579 (+18.45%) Land $450,000 Building $706,579	$1,156,579 (+18.45%) Land $450,000 Building $706,579
2022	$7,084.00	$976,420 Land $283,050 Building $693,370	$976,420 Land $283,050 Building $693,370

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 18 Lake St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

The area around 18 Lake St has no burnable land within ember reach, so its wildfire risk is not rated.

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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