191 Miami St, Miramar Beach, FL 32550 Property Records

Walton County property record for 191 Miami St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,464 sqft · built 2002
Lot Size	0.119 acres (5,184 sqft)
Owner	Company Name on Record
Last Sale	$900,000 (Apr 2022)
Tax Bill	$7,435 (2024)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00A-0020`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00A-0020`
Alternative APN	`1071785`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,464 sqft Living Area
Gross Area	1,888 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,184 sqft (0.119 acres)
Lot Dimensions	9.5 ft deep x 5.5 ft wide

Exterior Amenities

Porch	Porch
Porch Area	424 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1071785
Street Address	191 MIAMI ST
City	MIRAMAR BEACH
State	FL
Zip	32550-4693
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK A FRANGISTA BEACH 2ND ADDITION PB 3-41 OR 2343-204 OR 2412-506 OR 2490-1404 OR 2629-3635 OR 2861-1045 OR 3105-4885
Legal Range	21W
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BCH 2ND ADD S/D
Legal Block	A
Legal Lot Number	2
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1031
Census Tract	950609

Owner

Source: Walton County records, as of December 17, 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	501 NE BARNES AVE, KANSAS CITY, MO 64118-5209
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Warranty Deed, Transfer · Conventional Mortgage INVESTOR MORTGAGE FINANCE LLC
Mar 17, 2020	Warranty Deed, Transfer · Conventional Mortgage PRIME LNDG
May 20, 2019	Warranty Deed, Transfer · Conventional Mortgage TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2022 · Amount on Record
Deed Sale	Apr 20, 2022 · Amount on Record
Prior Sale	Mar 17, 2020 · Amount on Record
Deed Document Number	20220018702
Deed Book / Page	3248 / 4263
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 20, 2022
Property Address	191 MIAMI ST, MIRAMAR BEACH, FL 32550-4693
Document Number	0032484263
Book / Page	3248 / 4263
Map Reference	MB 3 PG 41
Instrument Date	Apr 13, 2022
Instrument	20220018702
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10070 TIMBERSTONE RD, 10070, ALPHARETTA, GA 30022-7513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 NE BARNES AVE, KANSAS CITY, MO 64118-5209

Mortgage

Document Number	0032484265
Date	Apr 20, 2022
Instrument	3248/4265

Lender

Name	INVESTOR MORTGAGE FINANCE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 17, 2020
Property Address	191 MIAMI ST, MIRAMAR BEACH, FL 32550-4693
Document Number	0031364046
Book / Page	003136 / 004046
Instrument Date	Mar 16, 2020
Instrument	9719
Transaction Type	Transfer
Record Updated	May 28, 2020
Title Company	AQUA TITLE SERVICES, AQUA TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,199.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10070 TIMBERSTONE RD ALPHARETTA GA 300227513, ALPHARETTA, GA 30022-7513

Mortgage

Document Number	31364048
Date	Mar 17, 2020
Book Page	003136/004048
Instrument	9720

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 16, 2035

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 20, 2019
Property Address	191 MIAMI ST, MIRAMAR BEACH, FL 32550-4693
Document Number	0031054885
Book / Page	3105 / 4885
Map Reference	MB 3 PG 41
Instrument Date	May 17, 2019
Instrument	20190016226
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,143.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	616 DESNOYER AVE, 616, SAINT PAUL, MN 55104-4945

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 GRAND BLVD, MIRAMAR BEACH, FL 32550-1856

Mortgage

Document Number	0031054887
Date	May 20, 2019
Instrument	3105/4887

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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		$787,942 (-3.73%) Land $475,000 Building $312,942	$787,942 (-3.73%) Land $475,000 Building $312,942
2024	$7,435.00 (-0.01%)
2023	$7,436.00 (+48.22%)	$818,434 (+26.8%) Land $450,000 Building $368,434	$818,434 (+26.8%) Land $450,000 Building $368,434
2022	$5,017.00	$645,447 Land $283,050 Building $362,397	$645,447 Land $283,050 Building $362,397

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 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	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	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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