2077 Olde Towne Ave, Miramar Beach, FL 32550 Property Records

Walton County property record for 2077 Olde Towne Ave, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,956 sqft · built 2001
Lot Size	0.2 acres (8,708 sqft)
Owner	2 Individual Names on File
Last Sale	$1,467,500 (Sep 2025)
Tax Bill	$4,870 (2025)
Deeds & Mortgages	Sep 2025 Sale Jul 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-2S-21-42600-000-2077`

Property Details

APN / Parcel Number

Primary APN	`25-2S-21-42600-000-2077`
Alternative APNs	`25-221-42600-000-2077` `1048200`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,956 sqft Living Area
Gross Area	3,939 sqft
1st Floor Area	2,119 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	8,708 sqft (0.2 acres)
Lot Dimensions	140 ft deep x 62 ft wide
Garage Type	Attached
Garage Area	528 sqft
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	455 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2077 OLDE TOWNE AVE
City	MIRAMAR BEACH
State	FL
Zip	32550-4591
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 2077 OLDE TOWNE AT SANDESTIN PHASE 1 OR 1085-235 OR 1827-224 OR 2160-1 OR 2331-681 OR 2737-554 OR 3108-265 OR 3241-3677 OR 3371-726
Legal Range	021
Legal Township	02S
Legal Section	25
Legal Subdivision	SANDESTIN PHASE 1
Legal Phase	1
Legal Block	20
Legal Lot Number	2077
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2000
Census Tract	950607

Owner

2077 Olde Towne Ave is owned by two individuals who bought it in September 2025.

Source: Walton County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9164 SYDNEY LN, BRENTWOOD, TN 37027-8149
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Sep 16, 2025	Warranty Deed, Transfer ARK TITLE SERVICES LLC, AQUARK TITLE SERVICES LLC
Jul 8, 2021	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Mar 4, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 11, 2019	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2025 · Amount on File
Deed Sale	Sep 16, 2025 · Amount on File
Prior Sale	Jun 11, 2019 · Amount on File
Deed Document Number	202533443
Deed Book / Page	3371 / 726
Prior Transfer Date	Mar 1, 2022
Prior Transfer Doc	0032413677
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 16, 2025
Property Address	2077 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4591
Document Number	0033710726
Book / Page	3371 / 726
Map Reference	MB 2084 PG 127
Instrument Date	Sep 10, 2025
Instrument	20250033443
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	ARK TITLE SERVICES LLC, AQUARK TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Tax	$10,272.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	34 CONCORD DR, DUNEDIN, FL 34698-6859

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9164 SYDNEY LN, BRENTWOOD, TN 37027-8149

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2077 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4591
Transaction Type	Mortgage
Record Updated	Feb 20, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2077 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4591

Mortgage

Document Number	0032061905
Date	Jul 8, 2021
Book Page	3206/1905
Instrument	20210034386

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 15, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Mar 4, 2022
Property Address	2077 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4591
Document Number	0032413677
Book / Page	3241 / 3677
Map Reference	MB 8 PG 48
Instrument Date	Mar 1, 2022
Instrument	20220010396
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ACCOMODATION, ACCOMMODATION

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
Relationship	Family Trust
Address	2077 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4591
Investor	Possibly a Property Investor

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 11, 2019
Property Address	2077 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4591
Document Number	0031080265
Book / Page	3108 / 0265
Map Reference	MB 8 PG 48
Instrument Date	Jun 6, 2019
Instrument	20190019039
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	CUSTOMERS FIRST TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,020.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3357 DELL RD, 3357, MOUNTAIN BRK, AL 35223-1319

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2077 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4591
Investor	Possibly a Property Investor

Mortgage

Document Number	0003108267
Date	Jun 11, 2019
Instrument	3108/267

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2024
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	8.75%

Tax Assessment & Valuation

The 2025 property tax bill for 2077 Olde Towne Ave was $4,870, up 1.9% 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	$4,870.00 (+1.95%)	$577,613 (-52.51%)	$967,527 (-20.45%) Land $440,000 Building $527,527
2024	$4,777.00 (+3.78%) Homeowner's exemption	$1,216,178 (-7.07%) Land $327,000 Building $889,178	$1,216,178 (-7.07%) Land $327,000 Building $889,178
2023	$4,603.00 (+1.19%) Homeowner's exemption	$1,308,696 (+41.02%) Land $327,000 Building $981,696	$1,308,696 (+41.02%) Land $327,000 Building $981,696
2022	$4,549.00 Homeowner's exemption	$927,997 Land $200,346 Building $727,651	$927,997 Land $200,346 Building $727,651

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2077 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 2077 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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