21 Mello Way, Miramar Beach, FL 32550 Property Records

Walton County property record for 21 Mello Way, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	6 bd · 6 ba · 3,735 sqft · built 2020
Lot Size	0.092 acres (4,051 sqft)
Owner	Individual Name on File
Last Sale	$1,880,000 (Feb 2022)
Tax Bill	$17,449 (2024)
Deeds & Mortgages	Feb 2022 Sale & Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42970-000-0170`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42970-000-0170`
Alternative APN	`1085774`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Stories	3 Stories
Building Area	3,735 sqft Living Area
Gross Area	4,686 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2020
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Concrete Tile
Lot Area	4,051 sqft (0.092 acres)
Lot Dimensions	7 ft deep x 5.8 ft wide
Garage Type	Finished
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1085774
Street Address	21 MELLO WAY
City	MIRAMAR BEACH
State	FL
Zip	32550-7175
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 RETREAT AT MIRAMAR PB 20-11 OR 3137-4428 OR 3199-2060 OR 3236-3877
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	RETREAT/MIRAMAR
Legal Lot Number	17
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2005
Census Tract	950608

Owner

21 Mello Way is owned by an individual who bought it in February 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2517 GOLDENROD WAY, TALLAHASSEE, FL 32311-1655
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
Feb 1, 2022	Warranty Deed, Transfer · Conventional Mortgage CAPITAL CITY HOME LOANS LLC
May 25, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 26, 2020	Special Warranty Deed, Transfer · Commercial Mortgage COMMUNITY FINANCIAL SERVICES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2022 · Amount on File
Deed Sale	Feb 1, 2022 · Amount on File
Prior Sale	May 25, 2021 · Amount on File
Deed Document Number	20220004601
Deed Book / Page	3236 / 3877
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 1, 2022
Property Address	21 MELLO WAY, MIRAMAR BEACH, FL 32550-7175
Document Number	0032363877
Book / Page	3236 / 3877
Map Reference	MB 20 PG 11&12
Instrument Date	Jan 31, 2022
Instrument	20220004601
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	OWEN TITLE COMPANY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	640 VOILE DEL PRADO, MILPITAS, CA 95035

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2517 GOLDENROD WAY, TALLAHASSEE, FL 32311-1655

Mortgage

Document Number	0032363878
Date	Feb 1, 2022
Instrument	3236/3878

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Feb 1, 2032
Change Frequency	6 Months
Min Rate At Change	4.62%
Max Rate At Change	9.62%
Index	Other
Max Rate	9.62%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 25, 2021
Property Address	21 MELLO WAY, MIRAMAR BEACH, FL 32550-7175
Document Number	0031992060
Book / Page	3199 / 2060
Map Reference	MB 20 PG 11
Instrument Date	May 18, 2021
Instrument	20210026100
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	91 VIRGINIAS WAY, KUTTAWA, KY 42055-6031

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 CALLE DEL PRADO, MILPITAS, CA 95035-4520

Mortgage

Document Number	0031992062
Date	May 25, 2021
Instrument	3199/2062

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

March 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 26, 2020
Property Address	21 MELLO WAY, MIRAMAR BEACH, FL 32550-7175
Document Number	0031374428
Book / Page	3137 / 4428
Map Reference	MB 20 PG 11
Instrument Date	Mar 25, 2020
Instrument	20200010916
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	BURKE LAW AND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,980.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	102 N COURT SQ, 102, ABBEVILLE, AL 36310-2100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 VIRGINIAS WAY, KUTTAWA, KY 42055-6031

Mortgage

Document Number	0031374432
Date	Mar 26, 2020
Instrument	3137/4432

Lender

Name	COMMUNITY FINANCIAL SERVICES BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	300 Months
Due	Mar 25, 2045

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		$1,892,546 Land $135,000 Building $1,757,546	$1,892,546 Land $135,000 Building $1,757,546
2024	$17,449.00 (+7.78%)
2023	$16,189.00 (+24.33%)	$1,781,736 (+26.81%) Land $110,733 Building $1,671,003	$1,781,736 (+26.81%) Land $110,733 Building $1,671,003
2022	$13,021.00	$1,405,088 Land $122,914 Building $1,282,174	$1,405,088 Land $122,914 Building $1,282,174

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

Flood

FEMA maps place 21 Mello Way in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2014.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 203 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	706 units insured incl. 503 condo units
Nearby Flood Claims	3 (2014–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2020 · Hurricane Sally

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 21 Mello Way is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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 437 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Wildstar Networks.

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