2017 Pine Island Cir, Miramar Beach, FL 32550 Property Records

Walton County property record for 2017 Pine Island Cir, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,492 sqft · built 2002
Lot Size	0.174 acres (7,579 sqft)
Owner	2 Individual Names on Record
Last Sale	$760,000 (Sep 2025)
Tax Bill	$5,865 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Sep 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`25-2S-21-42610-00A-0230`

Property Details

APN / Parcel Number

Primary APN	`25-2S-21-42610-00A-0230`
Alternative APNs	`25-221-42610-00A-0230` `1048280`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,492 sqft Living Area
Gross Area	1,998 sqft
1st Floor Area	1,492 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	7,579 sqft (0.174 acres)
Lot Dimensions	138 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	288 sqft
Porch	Finished Screened Porch
Porch Area	218 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2017 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 23 BLK A CRYSTAL LAKE AT SANDESTIN II PB 14-23 OR 2405-1128 OR 3020-3921 OR 3144-1426 OR 3238-2738 OR 3357-4013 OR 3370-4023
Legal Range	021
Legal Township	02S
Legal Section	25
Legal Subdivision	SANDESTIN II
Legal Block	A
Legal Lot Number	23
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 3, 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	2 Individual Names on Record
Mailing Address	533 DELTA QUEEN CT, COVINGTON, LA 70433-4584
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2022	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
Sep 12, 2025	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK
Feb 11, 2022	Intrafamily Transfer, Transfer
May 28, 2020	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2025 · Amount on Record
Deed Sale	Sep 12, 2025 · Amount on Record
Prior Sale	May 6, 2025 · Amount on Record
Deed Document Number	202533044
Deed Book / Page	3370 / 4023
Prior Transfer Date	Sep 8, 2016
Prior Transfer Doc	0030203921
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2017 PINE ISLAND CIR, MIRAMAR BEACH, FL 32550-7880
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2017 PINE ISLAND CIR, MIRAMAR BEACH, FL 32550-7880
Investor	Possibly a Property Investor

Mortgage

Document Number	0032584750
Date	Jul 6, 2022
Book Page	3258/4750
Instrument	20220031384

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	MIRAMAR BEACH, FL 32550

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 26, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 12, 2025
Property Address	2017 PINE ISLAND CIR, MIRAMAR BEACH, FL 32550-7880
Document Number	0033704023
Book / Page	3370 / 4023
Map Reference	MB 14 PG 23&23A
Instrument Date	Sep 10, 2025
Instrument	20250033044
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	SCENIC TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,320.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2017 PINE ISLAND CIR, MIRAMAR BEACH, FL 32550-7880

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	533 DELTA QUEEN CT, COVINGTON, LA 70433-4584

Mortgage

Document Number	0033704025
Date	Sep 12, 2025
Instrument	3370/4025

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Feb 11, 2022
Property Address	2017 PINE ISLAND CIR, MIRAMAR BEACH, FL 32550-7880
Document Number	0032382738
Book / Page	3238 / 2738
Map Reference	MB 14 PG 23
Instrument Date	Feb 11, 2022
Instrument	20220006703
Transaction Type	Transfer
Record Updated	Feb 20, 2024

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
Address	2017 PINE ISLAND CIR, MIRAMAR BEACH, FL 32550-7880

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 28, 2020
Property Address	2017 PINE ISLAND CIR, MIRAMAR BEACH, FL 32550-7880
Document Number	0031441426
Book / Page	3144 / 1426
Map Reference	MB 14 PG 24&23A
Instrument Date	May 26, 2020
Instrument	20200017958
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	CUSTOMERS FIRST TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,290.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7905 JESSIES WAY, 7905, HAMILTON, OH 45011-8080

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2017 PINE ISLAND CIR, MIRAMAR BEACH, FL 32550-7880

Mortgage

Document Number	0031441430
Date	May 28, 2020
Instrument	3144/1430

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

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	$5,865.00 (+11.69%)	$667,994 (+16.2%) Land $400,000 Building $267,994	$667,994 (+16.2%) Land $400,000 Building $267,994
2024	$5,251.00 (+7.56%)	$574,874 (+6.99%) Land $151,613 Building $423,261	$574,874 (+6.99%) Land $151,613 Building $423,261
2023	$4,882.00 (+43.21%)	$537,298 (+5.24%) Land $151,613 Building $385,685	$537,298 (+5.24%) Land $151,613 Building $385,685
2022	$3,409.00 Homeowner's exemption	$510,554 Land $168,291 Building $342,263	$510,554 Land $168,291 Building $342,263

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 100 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 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.03% 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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber	2,000 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Mediacom Xtream, Wildstar Networks.

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