2120 Olde Towne Ave, Miramar Beach, FL 32550 Property Records

Walton County property record for 2120 Olde Towne Ave, Miramar Beach, FL 32550

Property Summary

Property Type	Vacant Land
Lot Size	0.226 acres (9,836 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Apr 2024)
Tax Bill	$3,616 (2025)
Deeds & Mortgages	May 2026 Mortgage Jun 2026 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-2S-21-42600-000-2120`

Property Details

APN / Parcel Number

Primary APN	`25-2S-21-42600-000-2120`
Alternative APNs	`25-221-42600-000-2120` `1048243`

Exterior

Lot Area	9,836 sqft (0.226 acres)
Lot Dimensions	164 ft deep x 60 ft wide

Location & Zoning

Street Address	2120 OLDE TOWNE AVE
City	MIRAMAR BEACH
State	FL
Zip	32550-6502
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	SD
Legal Description	LOT 2120 OLDE TOWNE AT SANDESTIN PH 1 PB 8-48 OR 1063-33 OR 1269-257 &-261 OR 1502-72 OR 1761-104 OR 2273-238 OR 2419-46 OR 2581-3 OR 2623-4886 OR 2864-457 OR 2974-4102 OR 3187-308 OR 3322-2646
Legal Range	021
Legal Township	02S
Legal Section	25
Legal Subdivision	SANDESTIN PH 1
Legal Phase	1
Legal Block	21
Legal Lot Number	2120
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2001
Census Tract	950607

Owner

2120 Olde Towne Ave, vacant land, is owned by two individuals who bought it in April 2024.

Source: Walton County records, as of June 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2039 CRYSTAL LAKE DR, MIRAMAR BEACH, FL 32550-7877
Owner Type	Individual
Vesting	Husband and Wife

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
May 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage RENASANT BANK
Jun 1, 2026	Deed of Trust, Mortgage · Construction Mortgage RENASANT BANK
Apr 25, 2024	Deed of Trust, Mortgage · Commercial Mortgage SOUTHPOINT BANK
Mar 10, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2024 · Amount on File
Deed Sale	Apr 23, 2024 · Amount on File
Prior Sale	Mar 1, 2015 · Amount on File
Deed Document Number	202414109
Deed Book / Page	3322 / 2646
Prior Transfer Date	Aug 18, 2000
Prior Transfer Doc	0000646358
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Recording Date	May 7, 2026
Property Address	2120 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-6502
Document Number	0000018653
Book / Page	3397 / 2588
Instrument Date	May 5, 2026
Instrument	202618653
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2039 CRYSTAL LAKE DR, MIRAMAR BEACH, FL 32550-7877

Mortgage

Document Number	0000018653,
Date	May 7, 2026
Book Page	3397/2588
Instrument	202618653

Lender

Name	RENASANT BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jun 1, 2057

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Recording Date	Jun 1, 2026
Property Address	2120 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-6502
Document Number	0000022226
Book / Page	3400 / 1235
Instrument Date	May 5, 2026
Instrument	202622226
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2039 CRYSTAL LAKE DR, MIRAMAR BEACH, FL 32550-7877

Mortgage

Document Number	0000022226,
Date	Jun 1, 2026
Book Page	3400/1235
Instrument	202622226

Lender

Name	RENASANT BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jun 1, 2057

Interest

Rate	6.37%
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2120 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-6502
Transaction Type	Mortgage
Record Updated	May 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2033 CRYSTAL LAKE DR, MIRAMAR BEACH, FL 32550-7876

Mortgage

Document Number	0033223817
Date	Apr 25, 2024
Book Page	3322/3817
Instrument	20240014395

Lender

Name	SOUTHPOINT BANK
Type	Bank
Address	3501 GRANDVIEW PKWY, BIRMINGHAM, AL 35243

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Mar 10, 2021
Property Address	2120 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-6502
Document Number	0031870308
Book / Page	3187 / 308
Map Reference	MB 8 PG 48
Instrument Date	Mar 8, 2021
Instrument	20210011428
Transaction Type	Transfer
Record Updated	Feb 20, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1424 ENDGAME CT, WAKE FOREST, NC 27587-1808

Tax Assessment & Valuation

The 2025 property tax bill for 2120 Olde Towne Ave was $3,616, up 160.7% from the year before.

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	$3,616.00 (+160.71%)	$400,250 Land $400,000 Building $250	$400,250 Land $400,000 Building $250
2024	$1,387.00 (+0.58%)
2023	$1,379.00 (-11.66%)	$151,863 (-9.9%) Land $151,613 Building $250	$151,863 (-9.9%) Land $151,613 Building $250
2022	$1,561.00	$168,541 Land $168,291 Building $250	$168,541 Land $168,291 Building $250

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2120 Olde Towne Ave in Zone X, an area of minimal flood risk, within 500 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 500 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 2120 Olde Towne Ave is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% 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 Olde Towne Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures