25 Lake St, Miramar Beach, FL 32550 Property Records

Walton County property record for 25 Lake St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,408 sqft · built 2019
Lot Size	0.123 acres (5,358 sqft)
Owner	Company Name on Record
Last Sale	$1,300,000 (Mar 2025)
Tax Bill	$9,416 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00I-0020`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00I-0020`
Alternative APNs	`32-221-42050-00I-0020` `1071874`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,408 sqft Living Area
Gross Area	3,179 sqft
1st Floor Area	1,353 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,358 sqft (0.123 acres)
Lot Dimensions	107 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	441 sqft
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	330 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	25 LAKE ST
City	MIRAMAR BEACH
State	FL
Zip	32550-5002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 2 BLK I FRANGISTA BEACH 2ND ADDITION PB 3-41 OR 1754-243 OR 2619-2550 OR 2619-3862 OR 2646-3796 OR 2807-3553 OR 2904-967 OR 2978-4082 OR 2990-458 OR 3058-267 OR 3097-4837 OR 3239-1703 OR 3351-4951
Legal Range	021
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BEACH 2ND ADDITION
Legal Block	I
Legal Lot Number	2
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1033
Census Tract	950609

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	5240 SERENE VIEW WAY, PARKER, CO 80134-2804
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES NATIONAL BANK NA
Feb 22, 2019	Warranty Deed, Transfer · Conventional Mortgage WALTON FNDG LLC
Nov 21, 2017	Warranty Deed, Transfer BURKE LAW AND TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2025 · Amount on Record
Deed Sale	Mar 7, 2025 · Amount on Record
Prior Sale	Feb 17, 2022 · Amount on Record
Deed Document Number	20257843
Deed Book / Page	3351 / 4951
Prior Transfer Date	Dec 24, 2008
Prior Transfer Doc	0028073553
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 17, 2022
Property Address	25 LAKE ST, MIRAMAR BEACH, FL 32550-5002
Document Number	0032391703
Book / Page	3239 / 1703
Map Reference	MB 3 PG 41
Instrument Date	Feb 11, 2022
Instrument	20220007604
Transaction Type	Transfer
Record Updated	Mar 4, 2022
Title Company	CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19 CLARA AVE, 19, SAINT LOUIS, MO 63119-4049

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 LAKE ST, MIRAMAR BEACH, FL 32550-5002

Mortgage

Document Number	0032391705
Date	Feb 17, 2022
Instrument	3239/1705

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	25 LAKE ST, MIRAMAR BEACH, FL 32550-5002
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031223748
Date	Oct 31, 2019
Book Page	3122/3748
Instrument	20190038137

Lender

Name	PEOPLES NATIONAL BANK NA
Type	Bank
Address	MOUNT VERNON, IL 62864

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 22, 2019
Property Address	25 LAKE ST, MIRAMAR BEACH, FL 32550-5002
Document Number	0030974837
Book / Page	003097 / 004837
Instrument Date	Feb 22, 2019
Instrument	5517
Transaction Type	Transfer
Record Updated	Mar 12, 2019
Title Company	EQUITRUST TITLE COMPANY, EQUITRUST TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,913.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19 CLARA AVE WEBSTER GROVES MO 631194049, WEBSTER GROVES, MO 63119-4049

Mortgage

Document Number	30974839
Date	Feb 22, 2019
Book Page	003097/004839
Instrument	5518

Lender

Name	WALTON FNDG LLC
Type	Mortgage Company
Address	INLET BEACH, FL 32461

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2049

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 21, 2017
Property Address	25 LAKE ST, MIRAMAR BEACH, FL 32550-5002
Document Number	0030580267
Book / Page	003058 / 000267
Instrument Date	Nov 20, 2017
Instrument	38507
Transaction Type	Transfer
Record Updated	Dec 8, 2017
Title Company	BURKE LAW AND TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$5,929.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1201 DRIFTWOOD POINT RD SANTA ROSA BEACH FL 324593030, SANTA ROSA BEACH, FL 32459-3030
Investor	Possibly a Property Investor

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	$9,416.00 (-12.92%)	$1,042,105 (-12.5%) Land $400,000 Building $642,105	$1,042,105 (-12.5%) Land $400,000 Building $642,105
2024	$10,813.00 (-0.07%)
2023	$10,821.00 (+50.15%)	$1,190,958 (+18.62%) Land $450,000 Building $740,958	$1,190,958 (+18.62%) Land $450,000 Building $740,958
2022	$7,207.00	$1,003,988 Land $283,050 Building $720,938	$1,003,988 Land $283,050 Building $720,938

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 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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