2091 Tradewinds Cv, Miramar Beach, FL 32550 Property Records

Walton County property record for 2091 Tradewinds Cv, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,858 sqft · built 2004
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$1,000,000 (Nov 2021)
Tax Bill	$8,157 (2024)
Deeds & Mortgages	Nov 2021 Line of Credit Nov 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-2S-21-42600-000-2091`

Property Details

APN / Parcel Number

Primary APN	`25-2S-21-42600-000-2091`
Alternative APN	`1048214`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,858 sqft Living Area
Gross Area	3,994 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2004
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	9.5 ft deep x 6 ft wide
Garage Type	Finished
Garage Area	570 sqft

Exterior Amenities

Porch	Porch
Porch Area	446 sqft
Deck Area	Deck Area
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1048214
Street Address	2091 TRADEWINDS CV
City	MIRAMAR BEACH
State	FL
Zip	32550-4805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 2091 PH 1 OF OLDE TOWNE AT SANDESTIN PB 8-48 OR 1085-235 OR 1827-224 *NKA PH 1 OF CRYSTAL LAKE AT SANDESTIN PER AMENDMENT
Legal Range	21W
Legal Township	02S
Legal Section	25
Legal Subdivision	CRYSTAL LAKE AT SANDESTIN
Legal Phase	1,2091
Legal Lot Number	2091
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2001
Census Tract	950607

Owner

2091 Tradewinds Cv is owned and occupied by an individual who bought it in November 2021.

Source: Walton County records, as of December 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2091 TRADEWINDS CV, MIRAMAR BEACH, FL 32550-4805
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 17, 2021	Deed of Trust, Mortgage · Line of Credit RENASANT BANK
Nov 17, 2021	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK
Apr 29, 2021	Warranty Deed, Transfer SETCO SERVICES LLC
Jul 24, 2017	Deed of Trust, Mortgage · Line of Credit REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2021 · Amount on File
Deed Sale	Nov 17, 2021 · Amount on File
Prior Sale	Apr 29, 2021 · Amount on File
Deed Document Number	20210057300
Deed Book / Page	3225 / 4275
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2091 TRADEWINDS CV, MIRAMAR BEACH, FL 32550-4805
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2091 TRADEWINDS CV, MIRAMAR BEACH, FL 32550-4805

Mortgage

Document Number	0032254297
Date	Nov 17, 2021
Book Page	3225/4297
Instrument	20210057302

Lender

Name	RENASANT BANK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Nov 25, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 17, 2021
Property Address	2091 TRADEWINDS CV, MIRAMAR BEACH, FL 32550-4805
Document Number	0032254275
Book / Page	3225 / 4275
Map Reference	MB 8 PG 48
Instrument Date	Nov 11, 2021
Instrument	20210057300
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	BRIGHT LINE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	402 COUNTRY CLUB DR, COVINGTON, LA 70433-4804

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 MAGNOLIA PL, MIRAMAR BEACH, FL 32550-4500

Mortgage

Document Number	0032254278
Date	Nov 17, 2021
Book Page	3225/4278
Instrument	20210057301

Lender

Name	RENASANT BANK
Type	Bank
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 29, 2021
Property Address	2091 TRADEWINDS CV, MIRAMAR BEACH, FL 32550-4805
Document Number	0031950920
Book / Page	3195 / 920
Map Reference	MB 2084 PG 127
Instrument Date	Apr 28, 2021
Instrument	20210020930
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount on Record
Tax	$5,600.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2091 TRADEWINDS CV, MIRAMAR BEACH, FL 32550-4805

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 COUNTRY CLUB DR, COVINGTON, LA 70433-4804

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2091 TRADEWINDS CV, MIRAMAR BEACH, FL 32550-4805
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030472885
Date	Jul 24, 2017
Book Page	3047/2885
Instrument	20170024140

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 14, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$854,146 Land $340,000 Building $514,146	$854,146 Land $340,000 Building $514,146
2024	$8,157.00 (+3.69%)
2023	$7,867.00 (+1.11%) Homeowner's exemption	$1,109,971 (+26.44%) Land $151,613 Building $958,358	$1,109,971 (+26.44%) Land $151,613 Building $958,358
2022	$7,781.00 Homeowner's exemption	$877,850 Land $168,291 Building $709,559	$877,850 Land $168,291 Building $709,559

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

Flood

FEMA maps place 2091 Tradewinds Cv 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 2091 Tradewinds Cv is moderate, ranking above 54% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.06% 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.

Nearby Properties on Tradewinds Cv

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