Walton County property record for 243 Bay Tree Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,582 sqft · built 1998 |
| Lot Size | 0.148 acres (6,447 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $527,000 (May 2025) |
| Tax Bill | $3,727 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Mar 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2S-21-42401-00A-0220 |
| Primary APN | 28-2S-21-42401-00A-0220 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,582 sqft Living Area |
| Gross Area | 2,415 sqft |
| 1st Floor Area | 1,582 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,447 sqft (0.148 acres) |
| Lot Dimensions | 117 ft deep x 68 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Porch | Finished Screened Porch |
| Porch Area | 353 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 243 BAY TREE DR |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-7844 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RP |
| Legal Description | LOT 22 BLK A TREETOPS AT BAYSIDE PB 10-23 LESS & EXCEPT: COM NW/C OF LOT 22 BLK A, S 69 DEG 58'19E ALG NLY BDRY OF LOT 22 4.21FT TO POB; S 69 DEG 58'19E ALG NLY BDRY 36.67FT, S 53 DEG 21'04E ALG NLY BDRY 21.26FT TO NE/C OF LOT 22, S 01 DEG 10'02W ALG |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | BAYSIDE |
| Legal Phase | 2 |
| Legal Block | A,S |
| Legal Lot Number | 22 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 950609 |
Source: Walton County records, as of September 28, 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 | 43 ROLLING ACRES RD, POPLARVILLE, MS 39470-8792 |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Sep 14, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Mar 4, 2024 | Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC |
| Apr 21, 2023 | Warranty Deed, Transfer RODGERS-KIEFER TITLE, RODGERS KIEFER TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2025 · Amount on Record |
| Deed Sale | May 1, 2025 · Amount on Record |
| Prior Sale | Mar 4, 2024 · Amount on Record |
| Deed Document Number | 202515200 |
| Deed Book / Page | 3357 / 1973 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Sep 14, 2026 |
| Property Address | 243 BAY TREE DR, MIRAMAR BEACH, FL 32550-7844 |
| Document Number | 0000037744 |
| Book / Page | 3412 / 2658 |
| Instrument Date | Sep 3, 2026 |
| Instrument | 202637744 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 243 BAY TREE DR, MIRAMAR BEACH, FL 32550-7844 |
| Document Number | 0000037744, |
|---|---|
| Date | Sep 14, 2026 |
| Book Page | 3412/2658 |
| Instrument | 202637744 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Oct 1, 2066 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 4, 2024 |
| Property Address | 243 BAY TREE DR, MIRAMAR BEACH, FL 32550-7844 |
| Document Number | 0033171719 |
| Book / Page | 3317 / 1719 |
| Map Reference | MB 10 PG 23 |
| Instrument Date | Feb 28, 2024 |
| Instrument | 20240007541 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2024 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,731.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | NORTH 22ND AVENUE, OZARK, MO 65721 |
| Name | Verified Name |
|---|---|
| Address | 5720 SENTINEL OAK DR, MASON, OH 45040-8270 |
| Document Number | 20240007542 |
|---|---|
| Date | Mar 4, 2024 |
| Instrument | 20240007542 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2054 |
| Document Number | 0033171721 |
|---|---|
| Date | Mar 4, 2024 |
| Book Page | 3317/1721 |
| Instrument | 20240007542 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | 601 OFFICE CENTER DR STE 100, FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Apr 21, 2023 |
| Property Address | 243 BAY TREE DR, MIRAMAR BEACH, FL 32550-7844 |
| Document Number | 0032871242 |
| Book / Page | 3287 / 1242 |
| Map Reference | MB 10 PG 23 |
| Instrument Date | Apr 21, 2023 |
| Instrument | 20230013881 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | RODGERS-KIEFER TITLE, RODGERS KIEFER TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,493.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3608 GRANADA TRL, DENTON, TX 76205-8404 |
| Name | Verified Name |
|---|---|
| Address | 243 BAY TREE DR, MIRAMAR BEACH, FL 32550-7844 |
Source: Walton County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,727.00 (+7.81%) | $412,562 (+5.85%) Land $85,000 Building $327,562 | $412,562 (+5.85%) Land $85,000 Building $327,562 |
| 2024 | $3,457.00 (+6.9%) | ||
| 2023 | $3,234.00 (+7.19%) | $389,776 (+8.86%) Land $53,735 Building $336,041 | $389,776 (+8.86%) Land $53,735 Building $336,041 |
| 2022 | $3,017.00 | $358,046 Land $59,646 Building $298,400 | $358,046 Land $59,646 Building $298,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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.
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 |
| 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.
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.
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