2520 Vineyard Ln, Miramar Beach, FL 32550 Property Records

Walton County property record for 2520 Vineyard Ln, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,741 sqft · built 2003
Lot Size	0.242 acres (10,542 sqft)
Owner	2 Individual Names on File
Last Sale	$850,000 (Jul 2020)
Tax Bill	$6,834 (2025)
Deeds & Mortgages	May 2023 Transfer Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`24-2S-21-42300-000-2520`

Property Details

APN / Parcel Number

Primary APN	`24-2S-21-42300-000-2520`
Alternative APNs	`24-221-42300-000-2520` `1044883`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,741 sqft Living Area
Gross Area	4,288 sqft
1st Floor Area	2,381 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	10,542 sqft (0.242 acres)
Lot Dimensions	142 ft deep x 71 ft wide
Garage Type	Attached
Garage Area	576 sqft

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	581 sqft
Deck Area	Deck Area
Patio Area	390 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2520 VINEYARD LN
City	MIRAMAR BEACH
State	FL
Zip	32550-5806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 2520 VINEYARDS AT RAVEN OAKS PH I PB 15-6 OR 2509-1516 OR 2682-1933 OR 2923-3943 OR 2974-3253 OR 3149-116 OR 3208-1471
Legal Range	021
Legal Township	02S
Legal Section	24
Legal Subdivision	RAVEN OAKS PH I
Legal Phase	1
Legal Block	25
Legal Lot Number	2520
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	3
Census Block	3000
Census Tract	950607

Owner

Source: Walton County records, as of March 6, 2026

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	2 Individual Names on File
Mailing Address	2320 VINEYARD LN, MIRAMAR BEACH, FL 32550
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
May 2, 2023	Intrafamily Transfer, Transfer
Jul 22, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Jul 8, 2020	Correction Deed BURKE LAW AND TITLE LLC, BURKE LAW & TITLE LLC
Jul 6, 2020	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2020 · Amount on File
Deed Sale	Jul 8, 2020 · Amount on File
Prior Sale	Jul 6, 2020 · Amount on File
Deed Document Number	202024140
Deed Book / Page	3149 / 3051
Last Transfer Date	Jul 17, 2021
Transfer Doc	0032081471
Record Updated	Jun 8, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	May 2, 2023
Property Address	2520 VINEYARD LN, MIRAMAR BEACH, FL 32550-5806
Document Number	0032881607
Book / Page	3288 / 1607
Map Reference	MB 15 PG 6
Instrument Date	May 2, 2023
Instrument	20230015321
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2320 VINEYARD LANE, MIRAMAR BEACH, FL 32550

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Jul 22, 2021
Property Address	2520 VINEYARD LN, MIRAMAR BEACH, FL 32550-5806
Document Number	0032081471
Book / Page	3208 / 1471
Map Reference	MB 15 PG 6
Instrument Date	Jul 17, 2021
Instrument	20210036688
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2520 VINEYARD LN, MIRAMAR BEACH, FL 32550-5806

Mortgage

Document Number	32081473
Date	Jul 22, 2021
Instrument	3208/1473

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2520 VINEYARD LN, MIRAMAR BEACH, FL 32550-5806
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030594080
Date	Dec 13, 2017
Book Page	3059/4080
Instrument	2017000040768

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 12, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	WALTON FL
Recording Date	Jul 8, 2020
Property Address	2520 VINEYARD LN, MIRAMAR BEACH, FL 32550-5806
Document Number	0031493051
Book / Page	003149 / 003051
Instrument Date	Jun 30, 2020
Instrument	24140
Record Updated	Aug 24, 2020
Title Company	BURKE LAW AND TITLE LLC, BURKE LAW & TITLE LLC

Transaction

Amount	Amount on Record
Tax	$5,950.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2520 VINEYARD LN MIRAMAR BEACH FL 325505806, MIRAMAR BEACH, FL 32550-5806

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 6, 2020
Property Address	2520 VINEYARD LN, MIRAMAR BEACH, FL 32550-5806
Document Number	0031490116
Book / Page	3149 / 116
Map Reference	MB 15 PG 6
Instrument Date	Jun 30, 2020
Instrument	20200023462
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	BURKE LAW AND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2520 VINEYARD LN, MIRAMAR BEACH, FL 32550-5806

Mortgage

Document Number	0003149118
Date	Jul 6, 2020
Instrument	3149/118

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 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	$6,834.00 (+1.89%)	$795,024 (-31.69%)	$1,140,551 (-2.01%) Land $175,734 Building $964,817
2024	$6,707.00 (+4.44%)
2023	$6,422.00 (+0.42%) Homeowner's exemption	$1,163,928 (+26.96%) Land $175,734 Building $988,194	$1,163,928 (+26.96%) Land $175,734 Building $988,194
2022	$6,395.00 Homeowner's exemption	$916,774 Land $195,064 Building $721,710	$916,774 Land $195,064 Building $721,710

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 File median of 530 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,379 units insured incl. 849 condo units
Nearby Flood Claims	14 (2001–2021)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 6 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 358 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber	2,000 / 35
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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