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2082 Olde Towne Ave, Miramar Beach, FL 32550 Property Records

Walton County property record for 2082 Olde Towne Ave, Miramar Beach, FL 32550

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 2,403 sqft · built 1994
Lot Size0.206 acres (8,973 sqft)
OwnerCompany Name on Record
Tax Bill$4,447 (2025)
Deeds & MortgagesFeb 2026 Line of Credit
Dec 2022 Transfer
Flood ZoneZone X (minimal risk)
APN25-2S-21-42600-000-2082

Property Details

APN / Parcel Number

Primary APN25-2S-21-42600-000-2082
Alternative APNs
  • 25-221-42600-000-2082
  • 1048205

Interior

Bedrooms5 Beds
Full Baths4 Baths
Stories2 Stories
Building Area2,403 sqft Living Area
Gross Area3,604 sqft
1st Floor Area1,565 sqft
FlooringTile
Interior WallsCustom/Decorative

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 1994
Exterior MaterialConcrete
Roof TypeCathedral/Clerestory
Roof MaterialOther
Lot Area8,973 sqft (0.206 acres)
Lot Dimensions146 ft deep x 61.5 ft wide
Garage TypeDetached
Garage Area276 sqft
DrivewayBrick Driveway

Exterior Amenities

PorchFinished Screened Porch
Porch Area925 sqft
Deck AreaDeck Area
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2082 OLDE TOWNE AVE
CityMIRAMAR BEACH
StateFL
Zip32550-4524
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSD
Legal DescriptionLOT 2082 OLDE TOWNE AT SANDESTIN PHASE I OR 1037-56 OR 2030-147 OR 2445-493 OR 3274-2959
Legal Range021
Legal Township02S
Legal Section25
Legal SubdivisionSANDESTIN PHASE I
Legal Phase1
Legal Block20
Legal Lot Number2082
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group2
Census Block2000
Census Tract950607

Owner

Source: Walton County records, as of February 27, 2026

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 RecordCompany Name on Record
Mailing Address2082 OLDE TOWNE AVE, DESTIN, FL 32550-4524
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Feb 12, 2026Deed of Trust, Mortgage · Line of Credit
CITIZENS BANK NA
Dec 2, 2022Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 23, 2002
Deed SaleOct 23, 2002
Deed Document Number2002736094
Deed Book / Page2445 / 493
Last Transfer DateNov 30, 2022
Transfer Doc0032742959
Record UpdatedJun 8, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWALTON FL
Property Address2082 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4524
Transaction TypeMortgage
Record UpdatedMar 3, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address2082 OLDE TOWNE AVE, DESTIN, FL 32550-4524

Mortgage

Document Number0033870091
DateFeb 12, 2026
Book Page3387/91
Instrument20260005236
Lender
NameCITIZENS BANK NA
TypeBank
AddressPROVIDENCE, RI 02903
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueFeb 12, 2051
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

December 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionWALTON FL
Recording DateDec 2, 2022
Property Address2082 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4524
Document Number0032742959
Book / Page3274 / 2959
Map ReferenceMB 8 PG 48
Instrument DateNov 30, 2022
Instrument20220051995
Transaction TypeTransfer
Record UpdatedFeb 20, 2024
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2082 OLDE TOWNE AVE, DESTIN, FL 32550-4524

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address2082 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4524

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,447.00 (+1.97%)$530,759 (-50.81%)$838,617 (-22.28%) Land $440,000 Building $398,617
2024$4,361.00 (+3.78%)
2023$4,202.00 (+1.23%) Homeowner's exemption$1,078,994 (+42.73%) Land $327,000 Building $751,994$1,078,994 (+42.73%) Land $327,000 Building $751,994
2022$4,151.00 Homeowner's exemption$755,975 Land $200,346 Building $555,629$755,975 Land $200,346 Building $555,629

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 65 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies271 units insured
incl. 206 condo units
Nearby Flood Claims1 (2014)
Claims Outside the SFHA1 of 1
Most Recent ClaimApr 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

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemSOUTH WALTON UTILITY COMPANY
private · serves 26,668 people · EPA ID FL1660615
Water SourceGroundwater
Last State InspectionFeb 2026
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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