190 Beach Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 190 Beach Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	6 bd · 6.5 ba · 4,618 sqft · built 2021
Lot Size	0.444 acres (19,341 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,195,000 (May 2021)
Tax Bill	$20,240 (2025)
Deeds & Mortgages	May 2021 Line of Credit Dec 2019 Sale & Construction Loan + 5 more
Flood Zone	Zone X (moderate risk)
APN	`34-2S-21-42060-006-0070`

Property Details

APN / Parcel Number

Primary APN	`34-2S-21-42060-006-0070`
Alternative APNs	`34-221-42060-006-0070` `1076567`

Interior

Bedrooms	6 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	4,618 sqft Living Area
Gross Area	6,240 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	19,341 sqft (0.444 acres)
Lot Dimensions	215 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	220 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	190 BEACH DR
City	MIRAMAR BEACH
State	FL
Zip	32550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 7 BLK 6 GULF PINES S/D PB 2-86 OR 31-112 OR 2128-226 OR 2481-1669 OR 2760-2348 OR 2940-488 OR 3053-83 OR 3071-312 OR 3073-30 OR 3110-3239 OR 3128-1060 OR 3197-4932
Legal Range	021
Legal Township	02S
Legal Section	34
Legal Subdivision	GULF PINES
Legal Block	6
Legal Lot Number	7
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1022
Census Tract	950609

Owner

Source: Walton County records, as of April 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5570 MURRAY AVE, MEMPHIS, TN 38119-3805
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2021	Deed of Trust, Mortgage · Line of Credit RENASANT BANK
Dec 23, 2019	Warranty Deed, Construction Loan · Construction Mortgage FIRST NATIONAL BANK & TRUST CO
Jul 3, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 21, 2018	Deed of Trust, Mortgage · Line of Credit FIRST FL BK
May 8, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 17, 2018	Warranty Deed, Transfer RODGERS-KIEFER TITLE
Sep 25, 2017	Warranty Deed, Transfer AQUA TITLE SERVICES, AQUA TITLE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2021 · Amount on Record
Deed Sale	May 17, 2021 · Amount on Record
Prior Sale	Dec 23, 2019 · Amount on Record
Deed Document Number	202124371
Deed Book / Page	3197 / 4932
Prior Transfer Date	Mar 12, 2007
Prior Transfer Doc	0027602348
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	190 BEACH DR N, MIRAMAR BEACH, FL 32550-4117
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15405 HIGHWAY 196, EADS, TN 38028-3503

Mortgage

Document Number	0031974935
Date	May 17, 2021
Book Page	3197/4935
Instrument	20210024372

Lender

Name	RENASANT BANK
Type	Bank
Address	GERMANTOWN, TN 38138

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 10, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 23, 2019
Property Address	190 BEACH DR N, MIRAMAR BEACH, FL 32550-4117
Document Number	0031281060
Book / Page	3128 / 1060
Map Reference	MB 2 PG 86
Instrument Date	Dec 20, 2019
Instrument	20190044923
Transaction Type	Construction Loan
Record Updated	Aug 2, 2022
Title Company	RODGERS KIEFER TITLE

Transaction

Amount	Amount Recorded
Tax	$3,749.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	136 S HOLIDAY RDB, 136, MIRAMAR BEACH, FL 32550

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 HILLIARY DR, LAWTON, OK 73507-5304

Mortgage

Document Number	0031281062
Date	Dec 23, 2019
Instrument	3128/1062

Lender

Name	FIRST NATIONAL BANK & TRUST CO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Jul 3, 2019
Property Address	190 BEACH DR N, MIRAMAR BEACH, FL 32550-4117
Document Number	0031103239
Book / Page	003110 / 003239
Instrument Date	Jun 27, 2019
Instrument	22260
Transaction Type	Transfer
Record Updated	Jul 23, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$780.50
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	136 S HOLIDAY RD #B MIRAMAR BEACH FL 325508605, B, MIRAMAR BEACH, FL 32550-8605

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	190 BEACH DR N, MIRAMAR BEACH, FL 32550-4117
Document Number	0030772178
Instrument Date	Jun 21, 2018
Transaction Type	Mortgage
Record Updated	Jul 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 338 BEAVER PA 150090338, BEAVER, PA 15009-0338

Mortgage

Document Number	0030772178
Date	Jun 25, 2018
Book Page	003077/002178
Instrument	20907

Lender

Name	FIRST FL BK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	May 8, 2018
Property Address	190 BEACH DR N, MIRAMAR BEACH, FL 32550-4117
Document Number	0030730030
Book / Page	003073 / 000030
Instrument Date	May 3, 2018
Instrument	14955
Transaction Type	Transfer
Record Updated	May 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,260.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 338 BEAVER PA 150090338, BEAVER, PA 15009-0338

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 17, 2018
Property Address	190 BEACH DR N, MIRAMAR BEACH, FL 32550-4117
Document Number	0030710312
Book / Page	003071 / 000312
Instrument Date	Apr 16, 2018
Instrument	12402
Transaction Type	Transfer
Record Updated	Apr 30, 2018
Title Company	RODGERS-KIEFER TITLE

Transaction

Amount	Amount Recorded
Tax	$1,253.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	136 S HOLIDAY RD #B MIRAMAR BEACH FL 325508605, B, MIRAMAR BEACH, FL 32550-8605

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 25, 2017
Property Address	190 BEACH DR N, MIRAMAR BEACH, FL 32550-4117
Document Number	0030530083
Book / Page	003053 / 000083
Instrument Date	Sep 22, 2017
Instrument	31484
Transaction Type	Transfer
Record Updated	Oct 17, 2017
Title Company	AQUA TITLE SERVICES, AQUA TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$1,295.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	262 BRIDGEPORT RD CAMDEN AL 367261815, CAMDEN, AL 36726-1815

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	$20,240.00 (+8.99%)	$2,244,158 (+10.39%) Land $650,000 Building $1,594,158	$2,244,158 (+10.39%) Land $650,000 Building $1,594,158
2024	$18,570.00 (-13.16%)	$2,033,011 (-13.74%) Land $650,000 Building $1,383,011	$2,033,011 (-13.74%) Land $650,000 Building $1,383,011
2023	$21,384.00 (+7.99%)	$2,356,908 (+10.3%) Land $762,750 Building $1,594,158	$2,356,908 (+10.3%) Land $762,750 Building $1,594,158
2022	$19,802.00	$2,136,795 Land $487,012 Building $1,649,783	$2,136,795 Land $487,012 Building $1,649,783

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
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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	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 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Wildstar Networks.

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