2124 Schooner Cv, Miramar Beach, FL 32550 Property Records

Walton County property record for 2124 Schooner Cv, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,512 sqft · built 2017
Lot Size	0.134 acres (5,837 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,250,000 (Dec 2021)
Tax Bill	$6,916 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Dec 2021 Sale & Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`25-2S-21-42600-000-2124`

Property Details

APN / Parcel Number

Primary APN	`25-2S-21-42600-000-2124`
Alternative APNs	`25-221-42600-000-2124` `1048247`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,512 sqft Living Area
Gross Area	3,490 sqft
1st Floor Area	1,544 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	5,837 sqft (0.134 acres)
Lot Dimensions	97.5 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	478 sqft
Driveway	Brick Driveway

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	364 sqft
Deck Area	Deck Area
Patio Area	99 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2124 SCHOONER CV
City	MIRAMAR BEACH
State	FL
Zip	32550-4527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 2124 OLDE TOWNE AT SANDESTIN PH I PB 8-48 OR 912-192 OR 1350-186 OR 2288-467 OR 2872-2997 OR 2873-634 OR 2989-3859 OR 3063-1391 OR 3085-3537 OR 3205-920 OR 3228-3424
Legal Range	021
Legal Township	02S
Legal Section	25
Legal Subdivision	SANDESTIN PH I
Legal Phase	1
Legal Block	21
Legal Lot Number	2124
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	2124 SCHOONER CV, MIRAMAR BEACH, FL 32550-4527
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage WINGS FINANCIAL CU
Dec 8, 2021	Warranty Deed, Transfer · Conventional Mortgage WINGS FINANCIAL CU
Jun 30, 2021	Warranty Deed, Transfer BURKE LAW AND TITLE LLC
Nov 7, 2018	Deed of Trust, Mortgage · ARM FIFTH THIRD MORTGAGE CO
Oct 29, 2019	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Aug 2, 2019	Deed of Trust, Mortgage · ARM FIFTH THIRD BANK
Sep 21, 2018	Warranty Deed, Transfer OTHER
Jan 18, 2018	Warranty Deed, Transfer EMERALD COAST TITLE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2021 · Amount on Record
Deed Sale	Dec 8, 2021 · Amount on Record
Prior Sale	Jun 30, 2021 · Amount on Record
Deed Document Number	202160619
Deed Book / Page	3228 / 3424
Prior Transfer Date	Aug 20, 2011
Prior Transfer Doc	0028730634
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2124 SCHOONER CV, MIRAMAR BEACH, FL 32550-4527
Transaction Type	Mortgage
Record Updated	Feb 20, 2024
Title Company	NOT AVAILABLE, OSCT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2034 S RIVER RD, MELBOURNE BCH, FL 32951-2928

Mortgage

Document Number	0032652290
Date	Sep 2, 2022
Book Page	3265/2290
Instrument	20220039813

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union
Address	SAINT PAUL, MN 55124

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	1-Year CMT
Max Rate	7.75%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 8, 2021
Property Address	2124 SCHOONER CV, MIRAMAR BEACH, FL 32550-4527
Document Number	0032283424
Book / Page	3228 / 3424
Map Reference	MB 8 PG 48&48-A
Instrument Date	Dec 1, 2021
Instrument	20210060619
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 FRIENDSHIP CHURCH RD, BROOKS, GA 30205-1700

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2124 SCHOONER CV, MIRAMAR BEACH, FL 32550-4527

Mortgage

Document Number	0032283426
Date	Dec 8, 2021
Instrument	3228/3426

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	1-Year LIBOR
Max Rate	7.75%

Mortgage

Document Number	0032312374
Date	Dec 27, 2021
Book Page	3231/2374
Instrument	20210063888

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union
Address	SAINT PAUL, MN 55124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 26, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 30, 2021
Property Address	2124 SCHOONER CV, MIRAMAR BEACH, FL 32550-4527
Document Number	0032050920
Book / Page	3205 / 920
Map Reference	MB 2084 PG 127
Instrument Date	Jun 28, 2021
Instrument	20210033035
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	BURKE LAW AND TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$7,861.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	153 CYPRESS DR, SANTA ROSA BEACH, FL 32459-8589

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	150 FRIENDSHIP CHURCH RD, BROOKS, GA 30205-1700

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2124 SCHOONER CV, MIRAMAR BEACH, FL 32550-4527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030892883
Date	Nov 7, 2018
Book Page	3089/2883
Instrument	2018000037250

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Nov 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.62%
Index	1-Year LIBOR
Max Rate	9.62%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2124 SCHOONER CV, MIRAMAR BEACH, FL 32550-4527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031222228
Date	Oct 29, 2019
Book Page	3122/2228
Instrument	20190037769

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2124 SCHOONER CV, MIRAMAR BEACH, FL 32550-4527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031132901
Date	Aug 2, 2019
Book Page	3113/2901
Instrument	20190026260

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 21, 2018
Property Address	2124 SCHOONER CV, MIRAMAR BEACH, FL 32550-4527
Document Number	0030853537
Book / Page	003085 / 003537
Instrument Date	Sep 14, 2018
Instrument	32068
Transaction Type	Transfer
Record Updated	Oct 10, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$5,775.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2124 OLDE TOWNE AVE MIRAMAR BEACH FL 32550, MIRAMAR BEACH, FL 32550

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 18, 2018
Property Address	2124 SCHOONER CV, MIRAMAR BEACH, FL 32550-4527
Document Number	0030631391
Book / Page	003063 / 001391
Instrument Date	Jan 10, 2018
Instrument	1729
Transaction Type	Transfer
Record Updated	Feb 6, 2018
Title Company	EMERALD COAST TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$4,900.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1021 REGINALD DR NORMAN OK 730723701, NORMAN, OK 73072-3701

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	$6,916.00 (+1.9%) Homeowner's exemption	$804,028 (-28.6%)	$864,205 (-23.25%) Land $340,000 Building $524,205
2024	$6,787.00 (+3.7%)
2023	$6,545.00 (-19.58%) Homeowner's exemption	$1,126,035 (+28.21%) Land $151,613 Building $974,422	$1,126,035 (+28.21%) Land $151,613 Building $974,422
2022	$8,139.00	$878,249 Land $168,291 Building $709,958	$878,249 Land $168,291 Building $709,958

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	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.

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