22 Ruth St, Miramar Beach, FL 32550 Property Records

Walton County property record for 22 Ruth St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	8 bd · 8.5 ba · 3,391 sqft · built 2023
Lot Size	0.115 acres (5,009 sqft)
Owner	2 Company Names on Record
Last Sale	$1,880,000 (Oct 2025)
Tax Bill	$11,490 (2025)
Deeds & Mortgages	Oct 2025 Sale Aug 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00E-0020`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00E-0020`
Alternative APNs	`32-221-42050-00E-0020` `1071823`

Interior

Bedrooms	8 Beds
Full Baths	8.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,391 sqft Living Area
Gross Area	4,158 sqft
Flooring	Tile

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,009 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	22 RUTH ST
City	MIRAMAR BEACH
State	FL
Zip	32550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 2 BLK E FRANGISTA BCH 2ND ADD PB 3-41 OR 1745-243 OR 2619-2550 OR 2619-3883 OR 2978-2216 OR 3207-2187 OR 3299-3206
Legal Range	021
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BCH 2ND ADD
Legal Block	E
Legal Lot Number	2
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1035
Census Tract	950609

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 Company Names on Record
Mailing Address	2000 KETCHUM CT, ARGYLE, TX 76226-3785
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Warranty Deed, Transfer EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC
Aug 22, 2023	Quit Claim Deed, Transfer NOT AVAILABLE, KETCHERSID LAND & TITLE LLC
Jul 15, 2021	Warranty Deed, Transfer SHORELINE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2025 · Amount on Record
Deed Sale	Oct 28, 2025 · Amount on Record
Prior Sale	Jul 15, 2021 · Amount on Record
Deed Document Number	202539347
Deed Book / Page	3375 / 3540
Prior Transfer Date	Aug 21, 2023
Prior Transfer Doc	0032993206
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 28, 2025
Property Address	22 RUTH ST, MIRAMAR BEACH, FL 32550
Document Number	0033753540
Book / Page	3375 / 3540
Map Reference	MB 3 PG 41
Instrument Date	Oct 23, 2025
Instrument	20250039347
Transaction Type	Transfer
Record Updated	Nov 10, 2025
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$13,160.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6 SANDESTIN ESTATES DR, MIRAMAR BEACH, FL 32550-4553

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2000 KETCHUM CT, ARGYLE, TX 76226-3785

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Aug 22, 2023
Property Address	22 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0032993206
Book / Page	3299 / 3206
Map Reference	MB 3 PG 41
Instrument Date	Aug 21, 2023
Instrument	20230030127
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	NOT AVAILABLE, KETCHERSID LAND & TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6 SANDESTIN ESTATES DR, MIRAMAR BEACH, FL 32550-4553

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 SANDESTIN ESTATES DR, MIRAMAR BEACH, FL 32550-4553

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 15, 2021
Property Address	22 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0032072187
Book / Page	3207 / 2187
Map Reference	MB 3 PG 41
Instrument Date	Jul 15, 2021
Instrument	20210035662
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	SHORELINE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$2,065.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1029, SANTA ROSA BEACH, FL 32459-1029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 SANDESTIN ESTATES DR, MIRAMAR BEACH, FL 32550-4553

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	$11,490.00 (-19.2%)	$1,271,649 (-18.32%) Land $400,000 Building $871,649	$1,271,649 (-18.32%) Land $400,000 Building $871,649
2024	$14,220.00 (+316.03%)	$1,556,797 (+245.95%) Land $450,000 Building $1,106,797	$1,556,797 (+245.95%) Land $450,000 Building $1,106,797
2023	$3,418.00 (+30.31%)	$450,000 (+58.98%) Land $450,000	$450,000 (+58.98%) Land $450,000
2022	$2,623.00	$283,050 Land $283,050	$283,050 Land $283,050

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

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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