190 Sandtrap Rd, Miramar Beach, FL 32550 Property Records

Walton County property record for 190 Sandtrap Rd, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	9 bd · 9 ba · 5,005 sqft · built 2022
Lot Size	0.154 acres (6,708 sqft)
Owner	Company Name on Record
Last Sale	$585,000 (Mar 2003)
Tax Bill	$24,097 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Sep 2021 Construction Loan + 2 more
Flood Zone	Zone X (moderate risk)
APN	`34-2S-21-42000-013-0000`

Property Details

APN / Parcel Number

Primary APN	`34-2S-21-42000-013-0000`
Alternative APNs	`34-221-42000-013-0000` `1076446`

Interior

Bedrooms	9 Beds
Full Baths	9 Baths
Stories	3 Stories
Building Area	5,005 sqft Living Area
Gross Area	7,722 sqft
Flooring	Tile
Elevator	Elevator

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	6,708 sqft (0.154 acres)
Lot Dimensions	150 ft deep x 45 ft wide
Garage Type	Carport
Garage Area	660 sqft
Carport	Carport
Carport Area	660 sqft
Porch	Open/Unfinished Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	190 SANDTRAP RD
City	MIRAMAR BEACH
State	FL
Zip	32550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CC
Legal Description	COM 200 FT E & 1005 FT S OF N LINE SEC 34-2S-21W,S 50 FT,E 150 FT,N 50 FT,W 150 FT TO POB OR 3159-122 OR 3196-1274
Legal Range	021
Legal Township	02S
Legal Section	34
Legal Subdivision	TANGOMAR S/D UNRECD
Legal Block	1300
Legal Lot Number	43
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1005
Census Tract	950609

Owner

Source: Walton County records, as of December 26, 2025

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

Owner of Record	Company Name on Record
Mailing Address	136 S HOLIDAY RD, MIRAMAR BEACH, FL 32550-8604
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Deed of Trust, Mortgage · Line of Credit RENASANT BANK
Sep 22, 2021	Deed of Trust, Mortgage · Construction Mortgage RENASANT BANK
May 5, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Sep 9, 2020	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2003 · Amount on Record
Deed Sale	Mar 12, 2003 · Amount on Record
Prior Sale	Jan 16, 2003 · Amount on Record
Deed Document Number	2003753256
Deed Book / Page	2480 / 1477
Last Transfer Date	May 5, 2021
Transfer Doc	0031961274
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	190 SANDTRAP RD, MIRAMAR BEACH, FL 32550
Transaction Type	Mortgage
Record Updated	Dec 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 WINDJAMMER CT, DESTIN, FL 32541-5323

Mortgage

Document Number	0033800171
Date	Dec 5, 2025
Book Page	3380/171
Instrument	20250045006

Lender

Name	RENASANT BANK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	190 SANDTRAP RD, MIRAMAR BEACH, FL 32550-4157
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 WINDJAMMER CT, DESTIN, FL 32541-5323

Mortgage

Document Number	0032172106
Date	Sep 22, 2021
Book Page	3217/2106
Instrument	20210047551

Lender

Name	RENASANT BANK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	May 5, 2021
Property Address	190 SANDTRAP RD, MIRAMAR BEACH, FL 32550-4157
Document Number	0031961274
Book / Page	3196 / 1274
Instrument Date	May 5, 2021
Instrument	20210022228
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

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

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 9, 2020
Property Address	190 SANDTRAP RD, MIRAMAR BEACH, FL 32550-4157
Document Number	0031590122
Book / Page	003159 / 000122
Instrument Date	Sep 2, 2020
Instrument	35088
Transaction Type	Transfer
Record Updated	Oct 19, 2020
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$2,660.00
Amount Accuracy	Confirmed
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

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	$24,097.00 (-2.05%)	$2,666,925 (+9.56%) Land $611,000 Building $2,055,925	$2,666,925 (+9.56%) Land $611,000 Building $2,055,925
2024	$24,602.00 (+11.23%)
2023	$22,118.00 (+407.53%)	$2,434,234 (+417.54%) Land $423,738 Building $2,010,496	$2,434,234 (+417.54%) Land $423,738 Building $2,010,496
2022	$4,358.00	$470,350 Land $470,350	$470,350 Land $470,350

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	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 241 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 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Mediacom Xtream, Wildstar Networks.

Nearby Properties on Sandtrap Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures