197 Snowdrift Rd, Miramar Beach, FL 32550 Property Records

Walton County property record for 197 Snowdrift Rd, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,184 sqft · built 2001
Lot Size	0.137 acres (5,968 sqft)
Owner	Company Name on Record
Last Sale	$3,495,000 (Aug 2022)
Tax Bill	$13,477 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Jul 2022 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`34-2S-21-42210-000-014B`

Property Details

APN / Parcel Number

Primary APN	`34-2S-21-42210-000-014B`
Alternative APNs	`34-221-42210-000-014B` `1076679`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	2,184 sqft Living Area
Gross Area	4,418 sqft
1st Floor Area	1,092 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2010
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	5,968 sqft (0.137 acres)
Lot Dimensions	80 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	892 sqft
Carport	Carport
Carport Area	892 sqft

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	944 sqft
Deck Area	Deck Area
Patio Area	198 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	197 SNOWDRIFT RD
City	MIRAMAR BEACH
State	FL
Zip	32550-4148
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 SNOW DRIFT BEACH S/D PB 2-69 LESS & EXCEPT WLY 100 FT OR 1290-167 OR 1391-77 OR 1480-232 OR 2288-129 OR 2906-544 OR 3128-2992 OR 3195-408 OR 3231-3710 OR 3260-3052 OR 3364-1093
Legal Range	021
Legal Township	02S
Legal Section	34
Legal Subdivision	SNOW DRIFT BEACH
Legal Block	1
Legal Lot Number	14
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 February 2, 2026

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	66 LOTHRIDGE RD, CLEVELAND, GA 30528-5043
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2022	Deed of Trust, Mortgage · Line of Credit FNBC BANK
Jul 21, 2022	Warranty Deed, Transfer SETCO SERVICES LLC
Dec 28, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2022 · Amount on Record
Deed Sale	Aug 31, 2022 · Amount on Record
Prior Sale	Jul 21, 2022 · Amount on Record
Deed Document Number	202239430
Deed Book / Page	3265 / 623
Last Transfer Date	Jun 19, 2025
Transfer Doc	0033641093
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	197 SNOWDRIFT RD, MIRAMAR BEACH, FL 32550-4148
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032392341
Date	Feb 18, 2022
Book Page	3239/2341
Instrument	20220007766

Lender

Name	FNBC BANK
Type	Bank
Address	ASH FLAT, AR 72513

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Feb 16, 2027

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 21, 2022
Property Address	197 SNOWDRIFT RD, MIRAMAR BEACH, FL 32550-4148
Document Number	0032603052
Book / Page	3260 / 3052
Map Reference	MB 2 PG 69&69A
Instrument Date	Jul 15, 2022
Instrument	20220033511
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$11,893.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	999 MERCK RD, CLEVELAND, GA 30528-7299

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 28, 2021
Property Address	197 SNOWDRIFT RD, MIRAMAR BEACH, FL 32550-4148
Document Number	0032313710
Book / Page	3231 / 3710
Map Reference	MB 2 PG 69&69A
Instrument Date	Dec 20, 2021
Instrument	20210064151
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$10,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	337 DRIFTWOOD POINT RD, SANTA ROSA BEACH, FL 32459-3027

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	850 NEW BURTON RD STE 201, 201, DOVER, DE 19904-5786

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	$13,477.00 (+1.58%)	$1,491,563 (+0.89%) Land $475,000 Building $1,016,563	$1,491,563 (+0.89%) Land $475,000 Building $1,016,563
2024	$13,267.00 (-1.24%)
2023	$13,433.00	$1,478,438 Land $225,392 Building $1,253,046	$1,478,438 Land $225,392 Building $1,253,046

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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.

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