2096 Olde Towne Ave, Miramar Beach, FL 32550 Property Records

Walton County property record for 2096 Olde Towne Ave, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,048 sqft · built 1993
Lot Size	0.168 acres (7,314 sqft)
Owner	Individual Name on Record
Last Sale	$900,000 (Nov 2024)
Tax Bill	$5,977 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Oct 2025 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`25-2S-21-42600-000-2096`

Property Details

APN / Parcel Number

Primary APN	`25-2S-21-42600-000-2096`
Alternative APNs	`25-221-42600-000-2096` `1048219`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,048 sqft Living Area
Gross Area	3,109 sqft
1st Floor Area	1,241 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2000
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	7,314 sqft (0.168 acres)
Lot Dimensions	133 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	264 sqft
Driveway	Brick Driveway

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	784 sqft
Deck Area	Deck Area
Patio Area	156 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2096 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 2096 OLDE TOWNE AT SANDESTIN PH 1 OR 929-49 OR 2957-2354 OR 3046-1370 OR 3243-4135 OR 3342-1740
Legal Range	021
Legal Township	02S
Legal Section	25
Legal Subdivision	SANDESTIN PH 1
Legal Phase	1
Legal Block	20
Legal Lot Number	2096
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2001
Census Tract	950607

Owner

Source: Walton County records, as of May 21, 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 Record	Individual Name on Record
Mailing Address	2096 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4524
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2026	Deed of Trust, Mortgage · Line of Credit NEXA MORTGAGE LLC
Oct 9, 2025	Intrafamily Transfer, Transfer SETCO SERVICES LLC
Mar 18, 2022	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jul 10, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2024 · Amount on Record
Deed Sale	Nov 20, 2024 · Amount on Record
Prior Sale	Aug 18, 2014 · Amount on Record
Deed Document Number	202440466
Deed Book / Page	3342 / 1740
Prior Transfer Date	Mar 10, 2022
Prior Transfer Doc	0032434135
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2096 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4524
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2096 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4524

Mortgage

Document Number	0033843855
Date	Jan 21, 2026
Book Page	3384/3855
Instrument	20260002303

Lender

Name	NEXA MORTGAGE LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28232

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 6, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Oct 9, 2025
Property Address	2096 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4524
Document Number	0033734270
Book / Page	3373 / 4270
Map Reference	MB 8 PG 48
Instrument Date	Jul 1, 2025
Instrument	20250036938
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	SETCO SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2096 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4524

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2096 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4524

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Mar 18, 2022
Property Address	2096 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4524
Document Number	0032434135
Book / Page	3243 / 4135
Map Reference	MB 8 PG 48
Instrument Date	Mar 10, 2022
Instrument	20220012947
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13100 MAGISTERIAL DR STE 202, 202, LOUISVILLE, KY 40223-5186

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2096 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4524

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Jul 10, 2017
Property Address	2096 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4524
Document Number	0030461370
Book / Page	003046 / 001370
Instrument Date	Aug 24, 2016
Instrument	22448
Transaction Type	Transfer
Record Updated	Jul 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	13100 MAGISTERIAL DR #202 LOUISVILLE KY 402235186, 202, LOUISVILLE, KY 40223-5186

Tax Assessment & Valuation

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	$5,977.00 (-9.77%)	$700,085 (-3.47%)	$736,102 (+1.5%) Land $340,000 Building $396,102
2024	$6,624.00 (-7.07%)	$725,241 (-7.56%) Land $151,613 Building $573,628	$725,241 (-7.56%) Land $151,613 Building $573,628
2023	$7,128.00 (+35.87%)	$784,540 (+25.05%) Land $151,613 Building $632,927	$784,540 (+25.05%) Land $151,613 Building $632,927
2022	$5,246.00	$627,372 Land $168,291 Building $459,081	$627,372 Land $168,291 Building $459,081

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 Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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.

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