Walton County property record for 20 Garnet Cv, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,240 sqft · built 1996 |
| Lot Size | 0.121 acres (5,263 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $581,500 (Sep 2018) |
| Tax Bill | $6,530 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Mar 2022 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42830-000-0340 |
| Primary APN | 30-2S-21-42830-000-0340 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,240 sqft Living Area |
| Gross Area | 3,328 sqft |
| 1st Floor Area | 1,288 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Wood Frame (Stucco or Asbestos) |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 5,263 sqft (0.121 acres) |
| Lot Dimensions | 65 ft deep x 26 ft wide |
| Driveway | Brick Driveway |
| Porch | Finished/Open Porch |
| Porch Area | 1,088 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 20 GARNET CV |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-5206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CC |
| Legal Description | LOT 34 EMERALD SHORES OF SOUTH WALTON S/D PB 9-33 OR 1030-23 OR 1324-190 OR 2428-619 OR 2708-381 OR 2828-4400 OR 2887-1927 OR 3084-468 OR 3084-469 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | EMERALD SHORES OF SOUTH WALTON |
| Legal Block | 3 |
| Legal Lot Number | 34 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 950608 |
Source: Walton County records, as of October 12, 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 | 1910 MAIN LINE BLVD, ALEXANDRIA, VA 22301-3078 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST SAVINGS MORTGAGE CORP |
| Mar 31, 2022 | Warranty Deed, Transfer NOT AVAILABLE, KETCHERSID LAND & TITLE LLC |
| Sep 5, 2018 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Sep 5, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 5, 2018 · Amount on Record |
| Deed Sale | Sep 5, 2018 · Amount on Record |
| Prior Sale | Apr 5, 2012 · Amount on Record |
| Deed Document Number | 201829898 |
| Deed Book / Page | 3084 / 469 |
| Prior Transfer Date | Apr 2, 2012 |
| Prior Transfer Doc | 0028871927 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 20 GARNET CV, MIRAMAR BEACH, FL 32550-5206 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1910 MAIN LINE BLVD, ALEXANDRIA, VA 22301-3078 |
| Document Number | 0032450014 |
|---|---|
| Date | Mar 25, 2022 |
| Book Page | 3245/14 |
| Instrument | 20220014297 |
| Name | FIRST SAVINGS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MC LEAN, VA 22102 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 31, 2022 |
| Property Address | 20 GARNET CV, MIRAMAR BEACH, FL 32550-5206 |
| Document Number | 0032453753 |
| Book / Page | 3245 / 3753 |
| Instrument Date | Mar 31, 2022 |
| Instrument | 20220015203 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | NOT AVAILABLE, KETCHERSID LAND & TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $840.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 148 BRANDY MILL CIR, HIGH RIDGE, MO 63049-2584 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 374, ELKTON, MD 21922-0374 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Sep 5, 2018 |
| Property Address | 20 GARNET CV, MIRAMAR BEACH, FL 32550-5206 |
| Document Number | 0030840469 |
| Book / Page | 003084 / 000469 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 29898 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2018 |
| Title Company | VINTAGE TITLE AND ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,070.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1910 MAIN LINE BLVD ALEXANDRIA VA 223013078, ALEXANDRIA, VA 22301-3078 |
| Document Number | 30840472 |
|---|---|
| Date | Sep 5, 2018 |
| Book Page | 003084/000472 |
| Instrument | 29899 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 4, 2033 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Sep 5, 2018 |
| Property Address | 20 GARNET CV, MIRAMAR BEACH, FL 32550-5206 |
| Document Number | 0030840468 |
| Book / Page | 003084 / 000468 |
| Instrument Date | Aug 30, 2018 |
| Instrument | 29897 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4759 ROSWELL RD SANDY SPRINGS GA 303422901, SANDY SPRINGS, GA 30342-2901 |
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 | $6,530.00 (-4.48%) | $734,592 (-16.31%) Land $120,000 Building $614,592 | $734,592 (-16.31%) Land $120,000 Building $614,592 |
| 2024 | $6,836.00 (+3.94%) | ||
| 2023 | $6,577.00 (+12.35%) | $877,806 (+18.72%) Land $105,440 Building $772,366 | $877,806 (+18.72%) Land $105,440 Building $772,366 |
| 2022 | $5,854.00 | $739,384 Land $117,039 Building $622,345 | $739,384 Land $117,039 Building $622,345 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 203 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 706 units insured incl. 503 condo units |
| Nearby Flood Claims | 3 (2014–2020) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
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 657 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 | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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