220 Shore Dr, Miramar Beach, FL 32550 Property Records

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

Property Summary

Property Type	Single Family Home
Details	5 bd · 7 ba · 5,158 sqft · built 1997
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on Record
Last Sale	$1,695,000 (Oct 2020)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`29-2S-21-42130-00A-0070`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42130-00A-0070`
Alternative APNs	`29-221-42130-00A-0070` `1063129`

Interior

Bedrooms	5 Beds
Full Baths	7 Baths
Stories	2 Stories
Building Area	5,158 sqft Living Area
Gross Area	6,564 sqft
1st Floor Area	4,058 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2000
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	25,265 sqft (0.58 acres)
Lot Dimensions	252 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	782 sqft

Exterior Amenities

Pool Area	297 sqft
Porch	Finished Screened Porch
Porch Area	624 sqft
Deck Area	Deck Area
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	220 SHORE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-3993
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BAYS
Legal Description	LOT 7 BLK A HOLIDAY SHORES EST S/D PB 3-85 OR 1334-52 OR 2039-359 OR 2715-1 OR 2918-2376 OR 2999-1617 OR 3166-1979
Legal Range	021
Legal Township	02S
Legal Section	29
Legal Subdivision	HOLIDAY SHORES EST
Legal Block	A
Legal Lot Number	7
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1001
Census Tract	950608

Owner

Source: Walton County records, as of May 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	220 SHORE DR, MIRAMAR BEACH, FL 32550-3993
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 28, 2020	Warranty Deed, Transfer · VA Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2020 · Amount on Record
Deed Sale	Oct 28, 2020 · Amount on Record
Prior Sale	Jan 11, 2016 · Amount on Record
Deed Document Number	202043395
Deed Book / Page	3166 / 1979
Prior Transfer Date	Nov 25, 2005
Prior Transfer Doc	0027150001
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Recording Date	Apr 27, 2026
Property Address	220 SHORE DR, MIRAMAR BEACH, FL 32550-3993
Document Number	0000016828
Book / Page	3396 / 327
Instrument Date	Apr 20, 2026
Instrument	202616828
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 SHORE DR, MIRAMAR BEACH, FL 32550-3993

Mortgage

Document Number	0000016828,
Date	Apr 27, 2026
Book Page	3396/327
Instrument	202616828

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 28, 2020
Property Address	220 SHORE DR, MIRAMAR BEACH, FL 32550-3993
Document Number	0031661979
Book / Page	3166 / 1979
Map Reference	MB 3 PG 85
Instrument Date	Oct 5, 2020
Instrument	20200043395
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	LIGHTHOUSE LAND TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,865.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4007 BOSSWOOD DR, 4007, COLUMBUS, OH 43230-6364

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 SHORE DR, MIRAMAR BEACH, FL 32550-3993

Mortgage

Document Number	0031661982
Date	Oct 28, 2020
Instrument	3166/1982

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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	Homeowner's exemption Veteran's exemption	$1,577,871 (-32.37%)	$1,751,884 (-24.91%) Land $879,000 Building $872,884
2023	Homeowner's exemption	$2,332,996 Land $879,000 Building $1,453,996	$2,332,996 Land $879,000 Building $1,453,996

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 148 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	12 (2004–2024)
Claims Outside the SFHA	5 of 12
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Sally, Sep 2020 · 5 claims Hurricane Michael, Oct 2018 · 2 claims Hurricane Frances, Sep 2004 · 2 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	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50

May also be available: T-Mobile.

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