220 Overlook Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 220 Overlook Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	6 bd · 7 ba · 6,098 sqft · built 2021
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on File
Last Sale	$423,000 (May 2020)
Tax Bill	$22,536 (2024)
Deeds & Mortgages	Jan 2022 Mortgage Oct 2020 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34-2S-21-42060-007-0130`

Property Details

APN / Parcel Number

Primary APN	`34-2S-21-42060-007-0130`
Alternative APN	`1076595`

Interior

Bedrooms	6 Beds
Full Baths	7 Baths
Stories	2 Stories
Building Area	6,098 sqft Living Area
Gross Area	8,160 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2021
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	19,602 sqft (0.45 acres)
Lot Dimensions	21.8 ft deep x 9 ft wide
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1076595
Street Address	220 OVERLOOK DR
City	MIRAMAR BEACH
State	FL
Zip	32550-4185
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 BLK 7 GULF PINES S/D PB 2-86 OR 598-8 OR 848-148 OR 3105-3442 OR 3144-1015
Legal Range	21W
Legal Township	02S
Legal Section	34
Legal Subdivision	GULF PINES
Legal Block	7
Legal Lot Number	13
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950609

Owner

220 Overlook Dr is owned by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	4244 OLD BROOK TRL, MOUNTAIN BRK, AL 35243-1735
Owner Type	Individual

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
Jan 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 20, 2020	Deed of Trust, Mortgage · Construction Mortgage TRUIST BANK
May 27, 2020	Warranty Deed, Transfer MCNEESE TITLE LLC
May 16, 2019	Warranty Deed, Transfer MCNEESE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2020 · Amount on File
Deed Sale	May 27, 2020 · Amount on File
Prior Sale	May 16, 2019 · Amount on File
Deed Document Number	20200017891
Deed Book / Page	3144 / 1015
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	220 OVERLOOK DR, MIRAMAR BEACH, FL 32550-4185
Transaction Type	Mortgage
Record Updated	Feb 21, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032331725
Date	Jan 4, 2022
Book Page	3233/1725
Instrument	20220000416

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	1.62%
Type Change Date	Feb 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	6.62%
Index	Other
Margin	3
Max Rate	6.62%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	220 OVERLOOK DR, MIRAMAR BEACH, FL 32550-4185
Transaction Type	Mortgage
Record Updated	Mar 15, 2021
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4244 OLD BROOK TRL, MOUNTAIN BRK, AL 35243-1735

Mortgage

Document Number	0031650310
Date	Oct 20, 2020
Book Page	3165/310
Instrument	20200041847

Lender

Name	TRUIST BANK
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Nov 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 27, 2020
Property Address	220 OVERLOOK DR, MIRAMAR BEACH, FL 32550-4185
Document Number	0031441015
Book / Page	003144 / 001015
Instrument Date	May 22, 2020
Instrument	17891
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$2,961.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4244 OLD BROOK TRL MOUNTAIN BROOK AL 352431735, MOUNTAIN BROOK, AL 35243-1735

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 16, 2019
Property Address	220 OVERLOOK DR, MIRAMAR BEACH, FL 32550-4185
Document Number	0031053442
Book / Page	003105 / 003442
Instrument Date	May 15, 2019
Instrument	15849
Transaction Type	Transfer
Record Updated	Jun 3, 2019
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$1,820.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	543 DRIFTWOOD POINT RD SANTA ROSA BEACH FL 324591017, SANTA ROSA BEACH, FL 32459-1017

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		$2,746,064 Land $650,000 Building $2,096,064	$2,746,064 Land $650,000 Building $2,096,064
2024	$22,536.00 (-2.42%)
2023	$23,094.00 (+18.72%)	$2,858,814 (+33.22%) Land $762,750 Building $2,096,064	$2,858,814 (+33.22%) Land $762,750 Building $2,096,064
2022	$19,452.00	$2,146,008 Land $354,284 Building $1,791,724	$2,146,008 Land $354,284 Building $1,791,724

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 220 Overlook Dr in Zone X, an area of minimal flood risk, though there have been 64 flood claims nearby since 1995.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 220 Overlook Dr is low, with a 0.01% 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	0.01% 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 241 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 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Mediacom Xtream, Wildstar Networks.

Nearby Properties on Overlook Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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