Walton County property record for 19 Whitecap Way, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,552 sqft · built 2000 |
| Lot Size | 0.123 acres (5,358 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $700,000 (Mar 2024) |
| Tax Bill | $2,357 (2025) |
| Deeds & Mortgages | Jan 2022 Line of Credit Mar 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2S-21-42600-000-0200 |
| Primary APN | 28-2S-21-42600-000-0200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,552 sqft Living Area |
| Gross Area | 2,263 sqft |
| 1st Floor Area | 1,552 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 5,358 sqft (0.123 acres) |
| Lot Dimensions | 96 ft deep x 56 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | Deck Area |
| Patio Area | 275 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 19 WHITECAP WAY |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-7100 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CCMU |
| Legal Description | LOT 20 SEASPRAY PB 14-18 OR 2293-1535 OR 2660-3551 OR 3284-2438 OR 3318-4855 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | SEASPRAY |
| Legal Block | 2 |
| Legal Lot Number | 20 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 950609 |
Source: Walton County records, as of December 3, 2025
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 6911, MIRAMAR BEACH, FL 32550-1006 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 6, 2022 | Deed of Trust, Mortgage · Line of Credit ALL IN FCU |
| Mar 20, 2024 | Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP |
| Mar 24, 2023 | Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 20, 2024 · Amount on Record |
| Deed Sale | Mar 20, 2024 · Amount on Record |
| Prior Sale | Mar 24, 2023 · Amount on Record |
| Deed Document Number | 20249665 |
| Deed Book / Page | 3318 / 4855 |
| Prior Transfer Date | Feb 15, 2005 |
| Prior Transfer Doc | 0026603551 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 19 WHITECAP WAY, MIRAMAR BEACH, FL 32550-7100 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0032333331 |
|---|---|
| Date | Jan 6, 2022 |
| Book Page | 3233/3331 |
| Instrument | 20220000839 |
| Name | ALL IN FCU |
|---|---|
| Type | Credit Union |
| Address | DALEVILLE, AL 36322 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 264 Months |
| Due | Jan 3, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 20, 2024 |
| Property Address | 19 WHITECAP WAY, MIRAMAR BEACH, FL 32550-7100 |
| Document Number | 0033184855 |
| Book / Page | 3318 / 4855 |
| Map Reference | MB 14 PGS 18 |
| Instrument Date | Mar 20, 2024 |
| Instrument | 20240009665 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,900.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9272 HUNTERBORO DR, BRENTWOOD, TN 37027-6136 |
| Name | Verified Name |
|---|
| Document Number | 20240009666 |
|---|---|
| Date | Mar 20, 2024 |
| Instrument | 20240009666 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Number | OR33184857 |
|---|---|
| Date | Mar 20, 2024 |
| Book Page | OR3318/4857 |
| Instrument | 20240009666 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | 951 W YAMATO RD STE 175, BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 24, 2023 |
| Property Address | 19 WHITECAP WAY, MIRAMAR BEACH, FL 32550-7100 |
| Document Number | 0032842438 |
| Book / Page | 3284 / 2438 |
| Map Reference | MB 14 PG 18-18A |
| Instrument Date | Feb 28, 2023 |
| Instrument | 20230010174 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,795.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 167 BOTANY BLVD, SANTA ROSA BEACH, FL 32459-3199 |
| Name | Verified Name |
|---|---|
| Address | 9272 HUNTERBORO DR, BRENTWOOD, TN 37027-6136 |
| Document Number | 0032842440 |
|---|---|
| Date | Mar 24, 2023 |
| Instrument | 3284/2440 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROU |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
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 | $2,357.00 (-53.99%) | $304,525 (-42.05%) | $555,780 (+5.77%) Land $125,000 Building $430,780 |
| 2024 | $5,123.00 (+28.4%) | ||
| 2023 | $3,990.00 (+12.71%) | $525,458 (+19.46%) Land $84,441 Building $441,017 | $525,458 (+19.46%) Land $84,441 Building $441,017 |
| 2022 | $3,540.00 | $439,853 Land $93,729 Building $346,124 | $439,853 Land $93,729 Building $346,124 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|
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 | 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.
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 303 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: CenturyLink, LiveOak Fiber, Mediacom Xtream, T-Mobile, Wildstar Networks.
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