2523 Vineyard Ln, Miramar Beach, FL 32550 Property Records

Walton County property record for 2523 Vineyard Ln, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,941 sqft · built 2003
Lot Size	0.253 acres (11,064 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,667 (2024)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-2S-21-42301-000-2523`

Property Details

APN / Parcel Number

Primary APN	`24-2S-21-42301-000-2523`
Alternative APN	`1044888`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,941 sqft Living Area
Gross Area	4,052 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2003
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete Tile
Lot Area	11,064 sqft (0.253 acres)
Lot Dimensions	17.7 ft deep x 6.4 ft wide
Garage Type	Finished
Garage Area	556 sqft

Exterior Amenities

Porch	Porch
Porch Area	555 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1044888
Street Address	2523 VINEYARD LN
City	MIRAMAR BEACH
State	FL
Zip	32550-5806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2523 VINEYARD AT RAVEN OAKS PH II S/D PB 15-35 OR 2597-250 OR 2582-817 OR 2597-250 OR 2602-4810 OR 2776-3186
Legal Range	21W
Legal Township	02S
Legal Section	26
Legal Subdivision	VINEYARD AT RAVEN OAKS PH II
Legal Phase	2
Legal Lot Number	2523
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	3
Census Block	3000
Census Tract	950607

Owner

2523 Vineyard Ln is owned and occupied by two individuals who acquired it in June 2016.

Source: Walton County records, as of December 17, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2523 VINEYARD LN, MIRAMAR BEACH, FL 32550-5806
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2016
Deed Sale	Jun 22, 2016
Prior Sale	Apr 2, 2004 · Amount on File
Deed Document Number	0030132687
Deed Book / Page	2776 / 3186
Prior Transfer Date	Oct 24, 2007
Prior Transfer Doc	1016300
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2523 VINEYARD LN, MIRAMAR BEACH, FL 32550-5806
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MCCAFFREE SHORT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031422316
Date	May 11, 2020
Book Page	3142/2316
Instrument	20200015950

Lender

Name	RENASANT BANK
Type	Bank
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2035

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$1,209,192 Land $175,734 Building $1,033,458	$1,209,192 Land $175,734 Building $1,033,458
2024	$5,667.00 (+3.75%)
2023	$5,462.00 (+0.42%) Homeowner's exemption	$1,233,931 (+27.04%) Land $175,734 Building $1,058,197	$1,233,931 (+27.04%) Land $175,734 Building $1,058,197
2022	$5,439.00 Homeowner's exemption	$971,265 Land $195,064 Building $776,201	$971,265 Land $195,064 Building $776,201

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

Flood

FEMA maps place 2523 Vineyard Ln in Zone X, an area of minimal flood risk, within 500 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 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

Wildfire risk around 2523 Vineyard Ln is low, with a 0.02% annual chance of 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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