204 Bay Tree Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 204 Bay Tree Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,963 sqft · built 1997
Lot Size	0.131 acres (5,706 sqft)
Owner	Individual Name on File
Last Sale	$560,000 (Jan 2022)
Tax Bill	$3,983 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-2S-21-42401-00B-0170`

Property Details

APN / Parcel Number

Primary APN	`28-2S-21-42401-00B-0170`
Alternative APNs	`28-221-42401-00B-0170` `1060436`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,963 sqft Living Area
Gross Area	2,588 sqft
1st Floor Area	1,963 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,706 sqft (0.131 acres)
Lot Dimensions	103 ft deep x 58 ft wide
Garage Type	Attached
Garage Area	440 sqft
Porch	Finished Screened Porch
Porch Area	185 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	204 BAY TREE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-7842
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 17 BLK B TREETOPS AT BAYSIDE PB 10-23 OR 1708-165 OR 3235-2208
Legal Range	021
Legal Township	02S
Legal Section	28
Legal Subdivision	BAYSIDE
Legal Block	B
Legal Lot Number	17
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2006
Census Tract	950609

Owner

204 Bay Tree Dr is owned and occupied by an individual who bought it in January 2022.

Source: Walton County records, as of June 1, 2026

Owner of Record	Individual Name on File
Mailing Address	4515 BOCA DR, NICEVILLE, FL 32578-8767
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2022 · Amount on File
Deed Sale	Jan 21, 2022 · Amount on File
Deed Document Number	20222984
Deed Book / Page	3235 / 2208
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 21, 2022
Property Address	204 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842
Document Number	0032352208
Book / Page	3235 / 2208
Map Reference	MB 10 PG 23
Instrument Date	Jan 21, 2022
Instrument	20220002984
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,920.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	204 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4515 BOCA DR, NICEVILLE, FL 32578-8767

Mortgage

Document Number	0032352210
Date	Jan 21, 2022
Instrument	3235/2210

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 204 Bay Tree Dr was $3,983 with a homeowner's exemption, up 0.5% from the year before.

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	$3,983.00 (+0.48%) Homeowner's exemption	$479,475 Land $85,000 Building $394,475	$479,475 Land $85,000 Building $394,475
2024	$3,964.00 (+3.82%)
2023	$3,818.00 (+169.82%) Homeowner's exemption	$458,570 (+9.41%) Land $53,735 Building $404,835	$458,570 (+9.41%) Land $53,735 Building $404,835
2022	$1,415.00 Homeowner's exemption	$419,142 Land $59,646 Building $359,496	$419,142 Land $59,646 Building $359,496

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 204 Bay Tree Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 428 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	645 units insured incl. 217 condo units
Nearby Flood Claims	23 (1998–2024)
Claims Outside the SFHA	10 of 23
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 3 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

Wildfire risk around 204 Bay Tree Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% 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 337 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, LiveOak Fiber, Mediacom Xtream, Wildstar Networks.