2125 Schooner Cv, Miramar Beach, FL 32550 Property Records

Walton County property record for 2125 Schooner Cv, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,318 sqft · built 1997
Lot Size	0.148 acres (6,447 sqft)
Owner	2 Individual Names on Record
Last Sale	$670,000 (Dec 2022)
Tax Bill	$4,705 (2025)
Deeds & Mortgages	Dec 2025 Transfer Apr 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-2S-21-42600-000-2125`

Property Details

APN / Parcel Number

Primary APN	`25-2S-21-42600-000-2125`
Alternative APNs	`25-221-42600-000-2125` `1048248`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,318 sqft Living Area
Gross Area	1,751 sqft
1st Floor Area	913 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	6,447 sqft (0.148 acres)
Lot Dimensions	107 ft deep x 60 ft wide
Driveway	Brick Driveway
Porch	Finished Screened Porch
Porch Area	415 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2125 SCHOONER CV
City	MIRAMAR BEACH
State	FL
Zip	32550-4528
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 2125 PHASE ONE OF OLDE TOWNE AT SANDESTIN PB 8-48 OR 1246-11 OR 1342-142 OR 1485-95 OR 1986-369 OR 2603-1042 OR 2733-3616 OR 2754-3764 OR 2882-805 OR 2921-4510 OR 2959-1328 OR 3150-3575 OR 3276-3089
Legal Range	021
Legal Township	02S
Legal Section	25
Legal Subdivision	SANDESTIN
Legal Phase	1
Legal Block	21
Legal Lot Number	2125
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 August 14, 2026

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	2125 SCHOONER CV, MIRAMAR BEACH, FL 32550-4528
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 25, 2022	Deed of Trust, Mortgage · Line of Credit F & M BANK
Jan 21, 2021	Deed of Trust, Mortgage ALTRA FCU
Dec 28, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 17, 2020	Warranty Deed, Transfer MCNEESE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2022 · Amount on Record
Deed Sale	Dec 28, 2022 · Amount on Record
Prior Sale	Jul 17, 2020 · Amount on Record
Deed Document Number	202254796
Deed Book / Page	3276 / 3089
Prior Transfer Date	Aug 26, 2014
Prior Transfer Doc	0029591328
Record Updated	Sep 20, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Dec 16, 2025
Property Address	2125 SCHOONER CV, MIRAMAR BEACH, FL 32550-4528
Document Number	0033810467
Book / Page	3381 / 467
Map Reference	MB 2084 PG 127
Instrument Date	Dec 16, 2025
Instrument	20250046435
Transaction Type	Transfer
Record Updated	Jan 9, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2125 SCHOONER CV, MIRAMAR BEACH, FL 32550-4528

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2125 SCHOONER CV, MIRAMAR BEACH, FL 32550-4528

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2125 SCHOONER CV, MIRAMAR BEACH, FL 32550-4528
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2125 SCHOONER CV, MIRAMAR BEACH, FL 32550-4528

Mortgage

Document Number	0032492394
Date	Apr 25, 2022
Book Page	3249/2394
Instrument	20220019479

Lender

Name	F & M BANK
Type	Bank
Address	CLARKSVILLE, TN 37040

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 15, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2125 SCHOONER CV, MIRAMAR BEACH, FL 32550-4528
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2125 SCHOONER CV, MIRAMAR BEACH, FL 32550-4528

Mortgage

Document Number	0031792888
Date	Jan 21, 2021
Book Page	3179/2888
Instrument	20210002971

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2031

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 28, 2022
Property Address	2125 SCHOONER CV, MIRAMAR BEACH, FL 32550-4528
Document Number	0032763089
Book / Page	3276 / 3089
Map Reference	MB 2084 PG 127
Instrument Date	Dec 22, 2022
Instrument	20220054796
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,690.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1073 VERIDIAN DR # DR8B, DR8B, CLARKSVILLE, TN 37043-4300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 LEEWARD RD, COLUMBIA, SC 29212-8002

Mortgage

Document Number	0032763091
Date	Dec 28, 2022
Instrument	3276/3091

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 17, 2020
Property Address	2125 SCHOONER CV, MIRAMAR BEACH, FL 32550-4528
Document Number	0031503575
Book / Page	003150 / 003575
Instrument Date	Jul 13, 2020
Instrument	25501
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$3,063.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 DORCHESTER CIR CLARKSVILLE TN 370436380, CLARKSVILLE, TN 37043-6380

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	$4,705.00 (-1.71%)	$559,348 (-0.19%) Land $340,000 Building $219,348	$559,348 (-0.19%) Land $340,000 Building $219,348
2024	$4,787.00 (-5.99%)
2023	$5,092.00 (+25.33%)	$560,434 (+19.08%) Land $151,613 Building $408,821	$560,434 (+19.08%) Land $151,613 Building $408,821
2022	$4,063.00	$470,631 Land $168,291 Building $302,340	$470,631 Land $168,291 Building $302,340

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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