21 Ruth St, Miramar Beach, FL 32550 Property Records

Walton County property record for 21 Ruth St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,692 sqft · built 2019
Lot Size	0.114 acres (5,009 sqft)
Owner	2 Company Names on Record
Last Sale	$1,425,000 (May 2022)
Tax Bill	$10,956 (2024)
Deeds & Mortgages	Dec 2021 Mortgage May 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00F-0130`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00F-0130`
Alternative APN	`1071848`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,692 sqft Living Area
Gross Area	3,355 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,009 sqft (0.114 acres)
Lot Dimensions	10 ft deep x 5 ft wide
Garage Type	Finished
Garage Area	404 sqft
Porch	Porch
Porch Area	259 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1071848
Street Address	21 RUTH ST
City	MIRAMAR BEACH
State	FL
Zip	32550-4640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 BLK F FRANGISTA BEACH 2ND ADDITION PB 3-41 OR 1754-243 OR 2619-2550 OR 2619-3984 OR 3099-564 OR 3134-4429 OR 3224-4656
Legal Range	21W
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BCH 2ND ADD S/D
Legal Block	F
Legal Lot Number	13
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1034
Census Tract	950609

Owner

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

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

Owner of Record	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	4201 SOUNDSIDE DR, GULF BREEZE, FL 32563-9177
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage OAKTREE FUNDING CORP
May 6, 2022	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Nov 12, 2021	Warranty Deed, Transfer · Conventional Mortgage OAKTREE FUNDING CORP
Mar 2, 2020	Warranty Deed, Subdivision Related Transfer · VA Mortgage UNIVERSITY LNDG
Mar 8, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	May 6, 2022 · Amount on Record
Deed Sale	May 6, 2022 · Amount on Record
Prior Sale	Nov 12, 2021 · Amount on Record
Deed Document Number	20220021709
Deed Book / Page	3251 / 1280
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	21 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34499 COUNTY ROAD 19, WINDSOR, CO 80550-2601

Mortgage

Document Number	0032294584
Date	Dec 16, 2021
Book Page	3229/4584
Instrument	20210062136

Lender

Name	OAKTREE FUNDING CORP
Type	Subprime Lender
Address	UPLAND, CA 91786

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 6, 2022
Property Address	21 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0032511280
Book / Page	3251 / 1280
Map Reference	MB 3 PG 41
Instrument Date	May 4, 2022
Instrument	20220021709
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	EMERALD COAST TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	34499 COUNTY ROAD 19, WINDSOR, CO 80550-2601

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4201 SOUNDSIDE DR, GULF BREEZE, FL 32563-9177

Mortgage

Document Number	0032511282
Date	May 6, 2022
Instrument	3251/1282

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 12, 2021
Property Address	21 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0032244656
Book / Page	3224 / 4656
Map Reference	MB 3 PG 41
Instrument Date	Nov 4, 2021
Instrument	20210056301
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,982.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6309 SHORE VISTA PL, APOLLO BEACH, FL 33572-1575

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34499 COUNTY ROAD 19, WINDSOR, CO 80550-2601

Mortgage

Document Number	0032244661
Date	Nov 12, 2021
Book Page	3224/4661
Instrument	20210056303

Lender

Name	OAKTREE FUNDING CORP
Type	Subprime Lender
Address	UPLAND, CA 91786

Agreement

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

March 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 2, 2020
Property Address	21 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0031344429
Book / Page	003134 / 004429
Instrument Date	Feb 27, 2020
Instrument	7484
Transaction Type	Subdivision Related Transfer
Record Updated	May 20, 2020
Title Company	FIRST NATIONAL LAND TITLE COMPANY INC, FIRST NAT'L LAND TITLE CO INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,374.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21 RUTH ST MIRAMAR BEACH FL 32550, MIRAMAR BEACH, FL 32550

Mortgage

Document Number	31344430
Date	Mar 2, 2020
Book Page	003134/004430
Instrument	7485

Lender

Name	UNIVERSITY LNDG
Address	SOUTHFIELD, MI 48034

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Mar 8, 2019
Property Address	21 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0030990565
Book / Page	003099 / 000565
Instrument Date	Mar 7, 2019
Instrument	6978
Transaction Type	Transfer
Record Updated	Mar 25, 2019

Transaction

Amount	Amount Recorded
Tax	$350.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 5244 NICEVILLE FL 325785244, NICEVILLE, FL 32578-5244

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		$1,051,894 (-12.85%) Land $400,000 Building $651,894	$1,051,894 (-12.85%) Land $400,000 Building $651,894
2024	$10,956.00 (-0.1%)
2023	$10,967.00 (+16.16%)	$1,207,040 (+18.48%) Land $450,000 Building $757,040	$1,207,040 (+18.48%) Land $450,000 Building $757,040
2022	$9,441.00	$1,018,787 Land $283,050 Building $735,737	$1,018,787 Land $283,050 Building $735,737

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 750 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4,168 units insured incl. 3,418 condo units
Nearby Flood Claims	64 (1995–2024)
Claims Outside the SFHA	45 of 64
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 29 claims Hurricane Frances, Sep 2004 · 10 claims

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	Not rated no burnable land within 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 360 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: CenturyLink, T-Mobile, Wildstar Networks.

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