2012 Pine Island Cir, Miramar Beach, FL 32550 Property Records

Walton County property record for 2012 Pine Island Cir, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,039 sqft · built 2002
Lot Size	0.189 acres (8,233 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jul 2025)
Tax Bill	$6,372 (2025)
Deeds & Mortgages	Nov 2017 Line of Credit Nov 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`25-2S-21-42610-00A-0180`

Property Details

APN / Parcel Number

Primary APN	`25-2S-21-42610-00A-0180`
Alternative APNs	`25-221-42610-00A-0180` `1048275`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,039 sqft Living Area
Gross Area	2,363 sqft
1st Floor Area	2,039 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	8,233 sqft (0.189 acres)
Lot Dimensions	137 ft deep x 60 ft wide
Porch	Finished Screened Porch
Porch Area	324 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2012 PINE ISLAND CIR
City	MIRAMAR BEACH
State	FL
Zip	32550-7880
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 18 BLK A CRYSTAL LAKE AT SANDESTIN II PB 14-23 OR 2295-793 OR 3366-339
Legal Range	021
Legal Township	02S
Legal Section	25
Legal Subdivision	SANDESTIN II
Legal Block	A
Legal Lot Number	18
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	3
Census Block	3000
Census Tract	950607

Owner

Source: Walton County records, as of December 29, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	10427 192ND ST, SAINT ALBANS, NY 11412-1160
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2017	Deed of Trust, Mortgage · Line of Credit IBERIABANK
Nov 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2025 · Amount on Record
Deed Sale	Jul 30, 2025 · Amount on Record
Prior Sale	Nov 14, 2000 · Amount on Record
Deed Document Number	202526798
Deed Book / Page	3366 / 339
Prior Transfer Date	Jul 25, 2025
Prior Transfer Doc	0033660339
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2012 PINE ISLAND CIR, MIRAMAR BEACH, FL 32550-7880
Document Number	0030601956
Instrument Date	Nov 10, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2012 PINE ISLAND CIR MIRAMAR BEACH FL 325507880, MIRAMAR BEACH, FL 32550-7880

Mortgage

Document Number	0030601956
Date	Dec 19, 2017
Book Page	003060/001956
Instrument	41491

Lender

Name	IBERIABANK
Type	Federal Savings Bank
Address	ATLANTA, GA 30339

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2047

Interest

Rate Type	Adjustable Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2012 PINE ISLAND CIR, MIRAMAR BEACH, FL 32550-7880
Document Number	0030601942
Instrument Date	Nov 10, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2012 PINE ISLAND CIR MIRAMAR BEACH FL 325507880, MIRAMAR BEACH, FL 32550-7880

Mortgage

Document Number	0030601942
Date	Dec 19, 2017
Book Page	003060/001942
Instrument	41490

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 18, 2032

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	$6,372.00 (+7.85%)	$734,257 (+16.03%) Land $400,000 Building $334,257	$734,257 (+16.03%) Land $400,000 Building $334,257
2024	$5,908.00 (+9.31%)
2023	$5,405.00 (+5.94%)	$632,838 (+6.31%) Land $151,613 Building $481,225	$632,838 (+6.31%) Land $151,613 Building $481,225
2022	$5,102.00	$595,302 Land $168,291 Building $427,011	$595,302 Land $168,291 Building $427,011

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 530 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,379 units insured incl. 849 condo units
Nearby Flood Claims	14 (2001–2021)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 6 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 6 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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	Under 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 358 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber	2,000 / 35
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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