2097 Olde Towne Ave, Miramar Beach, FL 32550 Property Records

Walton County property record for 2097 Olde Towne Ave, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 4,521 sqft · built 1994
Lot Size	0.298 acres (12,977 sqft)
Owner	2 Individual Names on Record
Last Sale	$211,300 (Jan 2021)
Tax Bill	$8,960 (2025)
Deeds & Mortgages	Mar 2019 Mortgage Jan 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-2S-21-42600-000-2097`

Property Details

APN / Parcel Number

Primary APN	`25-2S-21-42600-000-2097`
Alternative APNs	`25-221-42600-000-2097` `1048220`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	4,521 sqft Living Area
Gross Area	6,960 sqft
1st Floor Area	2,414 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1996
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	12,977 sqft (0.298 acres)
Lot Dimensions	92 ft deep x 83 ft wide
Garage Type	Detached
Garage Area	714 sqft
Driveway	Brick Driveway
Porch	Finished Screened Porch
Porch Area	1,473 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2097 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	LOTS 2097 & 2098 OLDE TOWNE AT SANDESTIN PH 1 PB 8-48 OR 1797-186 OR 2856-3142 OR 3099-895 OR 3178-3857
Legal Range	021
Legal Township	02S
Legal Section	25
Legal Subdivision	SANDESTIN PH 1
Legal Phase	1
Legal Block	20
Legal Lot Number	2097
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 December 3, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2097 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4591
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST BANK
Jan 14, 2021	Quit Claim Deed, Transfer · Conventional Mortgage FBT MORTGAGE LLC
Jan 14, 2021	Quit Claim Deed, Transfer · Conventional Mortgage FBT MORTGAGE LLC
Mar 8, 2019	Correction Deed · Conventional Mortgage FBT MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2021 · Amount on Record
Deed Sale	Jan 14, 2021 · Amount on Record
Prior Sale	Mar 8, 2019 · Amount on Record
Deed Document Number	20212106
Deed Book / Page	3178 / 3857
Prior Transfer Date	Jan 8, 2021
Prior Transfer Doc	0031783857
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2097 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4591
Transaction Type	Mortgage
Record Updated	Mar 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031003120
Date	Mar 27, 2019
Book Page	3100/3120
Instrument	20190009126

Lender

Name	FIRST BANK
Type	Bank
Address	COVINGTON, LA 70434

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 22, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Jan 14, 2021
Property Address	2097 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4591
Document Number	0031783857
Book / Page	3178 / 3857
Map Reference	MB 8 PG 48
Instrument Date	Jan 8, 2021
Instrument	20210002106
Transaction Type	Transfer
Record Updated	Mar 9, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,479.10
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 OLDE TOWNE, MIRAMAR BEACH, FL 32550

Mortgage

Document Number	31783858
Date	Jan 14, 2021
Instrument	3178/3858

Lender

Name	FBT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Jan 14, 2021
Property Address	2097 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4591
Document Number	0031783857
Book / Page	3178 / 3857
Map Reference	MB 8 PG 48
Instrument Date	Jan 8, 2021
Instrument	20210002106
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,479.10
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 OLDE TOWNE, MIRAMAR BEACH, FL 32550
Investor	Possibly a Property Investor

Mortgage

Document Number	0031783858
Date	Jan 14, 2021
Instrument	3178/3858

Lender

Name	FBT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

March 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	WALTON FL
Recording Date	Mar 8, 2019
Property Address	2097 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4591
Document Number	0030990895
Book / Page	3099 / 0895
Map Reference	MB 8 PG 48
Instrument Date	Mar 7, 2019
Instrument	20190007090
Record Updated	Dec 30, 2021
Title Company	MCGILL ESCROW & TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,550.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	648 WOODLAND BAYOU DR, 648, SANTA ROSA BEACH, FL 32459-3405

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1404 BAYTOWNE AVE E, MIRAMAR BEACH, FL 32550-4891

Mortgage

Document Number	20190007092
Date	Mar 8, 2019
Instrument	20190007092

Lender

Name	FBT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

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	$8,960.00 (+1.86%) Homeowner's exemption	$1,030,299 (-38.28%)	$1,523,332 (-8.75%) Land $800,000 Building $723,332
2024	$8,796.00 (+3.68%)
2023	$8,484.00 (+1.1%) Homeowner's exemption	$1,669,431 (+24.13%) Land $303,226 Building $1,366,205	$1,669,431 (+24.13%) Land $303,226 Building $1,366,205
2022	$8,392.00 Homeowner's exemption	$1,344,955 Land $336,582 Building $1,008,373	$1,344,955 Land $336,582 Building $1,008,373

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 minimal risk
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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