2074 Olde Towne Ave, Miramar Beach, FL 32550 Property Records

Walton County property record for 2074 Olde Towne Ave, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,386 sqft · built 1991
Lot Size	0.198 acres (8,668 sqft)
Owner	Individual Name on File
Last Sale	$1,325,000 (Aug 2022)
Tax Bill	$8,526 (2024)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-2S-21-42600-000-2074`

Property Details

APN / Parcel Number

Primary APN	`25-2S-21-42600-000-2074`
Alternative APN	`1048197`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	2,386 sqft Living Area
Gross Area	3,648 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	8,668 sqft (0.198 acres)
Lot Depth	14.1 ft Depth

Exterior Amenities

Porch	Porch
Porch Area	1,262 sqft
Deck Area	Deck Area
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1048197
Street Address	2074 OLDE TOWNE AVE
City	MIRAMAR BEACH
State	FL
Zip	32550-4524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 2074 OLD TOWNE AT SANDESTIN PHASE I PB 8-48 OR 1080-64 OR 2899-2756 OR 3020-135 OR 3091-3013 OR 3264-4565
Legal Range	21W
Legal Township	02S
Legal Section	25
Legal Subdivision	OLDE TOWNE AT SANDESTIN
Legal Phase	1
Legal Lot Number	2074
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2000
Census Tract	950607

Owner

2074 Olde Towne Ave is owned by an individual who bought it in August 2022.

Source: Walton County records, as of December 17, 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 File
Co-owner	Co-owner on File
Mailing Address	1303 STATE BLVD, FRANKLIN, TN 37064-8620
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Aug 29, 2022	Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Dec 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 3, 2018	Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2022 · Amount on File
Deed Sale	Aug 29, 2022 · Amount on File
Prior Sale	Dec 3, 2018 · Amount on File
Deed Document Number	20220039149
Deed Book / Page	3264 / 4565
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2074 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4524
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2074 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4524

Mortgage

Document Number	0032362815
Date	Jan 31, 2022
Book Page	3236/2815
Instrument	20220004365

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 29, 2022
Property Address	2074 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4524
Document Number	0032644565
Book / Page	3264 / 4565
Map Reference	MB 2084 PG 127
Instrument Date	Aug 26, 2022
Instrument	20220039149
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3344 W MALLORY BLVD, JUPITER, FL 33458-8772

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1303 STATE BLVD, FRANKLIN, TN 37064-8620
Investor	Possibly a Property Investor

Mortgage

Document Number	0032644567
Date	Aug 29, 2022
Instrument	3264/4567

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2074 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4524
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031270189
Date	Dec 12, 2019
Book Page	3127/0189
Instrument	20190043414

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 3, 2018
Property Address	2074 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4524
Document Number	0030913013
Book / Page	3091 / 3013
Map Reference	MB08 PG48
Instrument Date	Nov 30, 2018
Instrument	2018000040121
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	68 AMBLESIDE CRESCENT DR, 68, SUGAR LAND, TX 77479-2509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2074 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4524

Mortgage

Document Number	2018000040122
Date	Dec 3, 2018
Instrument	2018000040122

Lender

Name	INDEPENDENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$796,076 Land $440,000 Building $356,076	$796,076 Land $440,000 Building $356,076
2024	$8,526.00 (-6.02%)
2023	$9,072.00 (+114.62%)	$998,483 (+43.2%) Land $327,000 Building $671,483	$998,483 (+43.2%) Land $327,000 Building $671,483
2022	$4,227.00 Homeowner's exemption	$697,244 Land $200,346 Building $496,898	$697,244 Land $200,346 Building $496,898

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

Flood

FEMA maps place 2074 Olde Towne Ave 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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 65 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	271 units insured incl. 206 condo units
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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 2074 Olde Towne Ave is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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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