224 Bay Tree Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 224 Bay Tree Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,693 sqft · built 1997
Lot Size	0.143 acres (6,229 sqft)
Owner	2 Trust Names on File
Last Sale	$405,000 (Jun 2020)
Tax Bill	$2,806 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Dec 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`28-2S-21-42401-00B-0190`

Property Details

APN / Parcel Number

Primary APN	`28-2S-21-42401-00B-0190`
Alternative APNs	`28-221-42401-00B-0190` `1060438`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,693 sqft Living Area
Gross Area	2,423 sqft
1st Floor Area	1,693 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2002
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,229 sqft (0.143 acres)
Lot Dimensions	105 ft deep x 58 ft wide
Garage Type	Attached
Garage Area	440 sqft
Porch	Finished Screened Porch
Porch Area	290 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	224 BAY TREE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-7842
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 19 BLK B TREETOPS AT BAYSIDE PB 10-23 OR 1715-317 OR 2977-4883 OR 3144-4328 OR 3271-1712
Legal Range	021
Legal Township	02S
Legal Section	28
Legal Subdivision	BAYSIDE
Legal Block	B
Legal Lot Number	19
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2006
Census Tract	950609

Owner

224 Bay Tree Dr is owner-occupied and held in a trust since August 2022.

Source: Walton County records, as of December 3, 2025

Owner of Record	2 Trust Names on File
Mailing Address	224 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jun 3, 2021	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Dec 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage BOX HOME LOANS
Oct 28, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Nov 13, 2017	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH BANK
Jun 1, 2020	Warranty Deed, Transfer · Construction Mortgage THIRD FED'L S&L ASSN/CLEVELAND
Jun 17, 2019	Deed of Trust, Mortgage · Line of Credit BANCORPSOUTH
Sep 9, 2016	Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2020 · Amount on File
Deed Sale	Jun 1, 2020 · Amount on File
Prior Sale	May 1, 2015 · Amount on File
Deed Document Number	202018599
Deed Book / Page	3144 / 4328
Last Transfer Date	Aug 16, 2022
Transfer Doc	0032711712
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	224 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842
Transaction Type	Mortgage
Record Updated	Feb 20, 2024
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032004830
Date	Jun 3, 2021
Book Page	3200/4830
Instrument	20210027865

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	May 24, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	224 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842

Mortgage

Document Number	0032313149
Date	Dec 28, 2021
Book Page	3231/3149
Instrument	20210064050

Lender

Name	BOX HOME LOANS
Type	Mortgage Company
Address	LINDON, UT 84042

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Oct 28, 2022
Property Address	224 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842
Document Number	0032711712
Book / Page	3271 / 1712
Map Reference	MB 10 PG 23
Instrument Date	Aug 16, 2022
Instrument	20220047653
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	224 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	224 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	224 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030571611
Date	Nov 13, 2017
Book Page	3057/1611
Instrument	2017000037466

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 6, 2042

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 1, 2020
Property Address	224 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842
Document Number	0031444328
Book / Page	003144 / 004328
Instrument Date	May 29, 2020
Instrument	18599
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	CUSTOMERS FIRST TITLE COMPANY, CUSTOMERS FIRST TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,835.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 BAY TREE DR MIRAMAR BEACH FL 325507842, MIRAMAR BEACH, FL 32550-7842

Mortgage

Document Number	31444330
Date	Jun 1, 2020
Book Page	003144/004330
Instrument	18600

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 31, 2035

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	224 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842
Document Number	0031282050
Instrument Date	Jun 17, 2019
Transaction Type	Mortgage
Record Updated	Jan 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 BAY TREE DR MIRAMAR BEACH FL 325507842, MIRAMAR BEACH, FL 32550-7842

Mortgage

Document Number	0031282050
Date	Dec 26, 2019
Book Page	003128/002050
Instrument	45135

Lender

Name	BANCORPSOUTH
Type	Bank
Address	LAKELAND, FL 33803-4360

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	224 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842
Document Number	0030324812
Book / Page	003032 / 004812
Instrument Date	Sep 9, 2016
Transaction Type	Mortgage
Record Updated	Mar 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 BAY TREE DR MIRAMAR BEACH FL 325507842, MIRAMAR BEACH, FL 32550-7842

Mortgage

Document Number	0030324812
Date	Feb 9, 2017
Book Page	003032/004812
Instrument	4165

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 8, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 224 Bay Tree Dr was $2,806, up 2% from the year before.

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	$2,806.00 (+2.04%)	$349,208	$467,911 Land $85,000 Building $382,911
2024	$2,750.00 (+3.97%)
2023	$2,645.00 (+1.34%) Homeowner's exemption	$446,076 (+9.38%) Land $53,735 Building $392,341	$446,076 (+9.38%) Land $53,735 Building $392,341
2022	$2,610.00 Homeowner's exemption	$407,804 Land $59,646 Building $348,158	$407,804 Land $59,646 Building $348,158

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

Flood

FEMA maps place 224 Bay Tree Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 428 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	645 units insured incl. 217 condo units
Nearby Flood Claims	23 (1998–2024)
Claims Outside the SFHA	10 of 23
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 3 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 6 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 224 Bay Tree Dr is low, with less than 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 97% of the US · lower than 96% 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 337 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, LiveOak Fiber, Mediacom Xtream, Wildstar Networks.

224 Bay Tree Dr, Miramar Beach, FL 32550 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

December 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2022: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

November 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

September 2016: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Bay Tree Dr

Nearby Streets

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