185 Bay Tree Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 185 Bay Tree Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,658 sqft · built 1997
Lot Size	0.132 acres (5,793 sqft)
Owner	Individual Name on File
Last Sale	$318,000 (Sep 2020)
Tax Bill	$1,381 (2024)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-2S-21-42401-00A-0170`

Property Details

APN / Parcel Number

Primary APN	`28-2S-21-42401-00A-0170`
Alternative APN	`1060413`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,658 sqft Living Area
Gross Area	2,391 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,793 sqft (0.132 acres)
Lot Dimensions	10.2 ft deep x 5.7 ft wide
Garage Type	Finished
Garage Area	480 sqft
Porch	Porch
Porch Area	253 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1060413
Street Address	185 BAY TREE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-7843
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 BLK A TREETOPS AT BAYSIDE PB 10-23 OR 1715-318 OR 2064-76 OR 2919-899 OR 3158-1943
Legal Range	21W
Legal Township	02S
Legal Section	28
Legal Subdivision	TREETOPS AT BAYSIDE
Legal Block	A
Legal Lot Number	17
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2006
Census Tract	950609

Owner

185 Bay Tree Dr is owned and occupied by an individual who bought it in September 2020.

Source: Walton County records, as of December 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	185 BAY TREE DR, MIRAMAR BEACH, FL 32550-7843
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2020 · Amount on File
Deed Sale	Sep 4, 2020 · Amount on File
Prior Sale	May 6, 2013 · Amount on File
Deed Document Number	20200034325
Deed Book / Page	3158 / 1943
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 4, 2020
Property Address	185 BAY TREE DR, MIRAMAR BEACH, FL 32550-7843
Document Number	0031581943
Book / Page	3158 / 1943
Map Reference	MB 10 PG 23
Instrument Date	Aug 31, 2020
Instrument	20200034325
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,226.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4909 SETTLERS MARKET BLVD, 4909, WILLIAMSBURG, VA 23188-2291

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 BAY TREE DR, MIRAMAR BEACH, FL 32550-7843

Mortgage

Document Number	0031581945
Date	Sep 4, 2020
Instrument	3158/1945

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

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		$419,994 Land $85,000 Building $334,994	$419,994 Land $85,000 Building $334,994
2024	$1,381.00 (+4.38%)
2023	$1,323.00 (+1.69%) Homeowner's exemption	$397,516 (+8.92%) Land $53,735 Building $343,781	$397,516 (+8.92%) Land $53,735 Building $343,781
2022	$1,301.00 Homeowner's exemption	$364,962 Land $59,646 Building $305,316	$364,962 Land $59,646 Building $305,316

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

Flood

FEMA maps place 185 Bay Tree Dr 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 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	Hurricane Sally, Sep 2020 · 3 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 6 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

Wildfire risk around 185 Bay Tree Dr is low, with less than a 0.01% annual chance of wildfire.

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.

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 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.