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28 Penelope St, Miramar Beach, FL 32550 Property Records

Walton County property record for 28 Penelope St, Miramar Beach, FL 32550

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 2,422 sqft · built 2016
Lot Size0.114 acres (5,009 sqft)
OwnerIndividual Name on Record
Last Sale$510,000 (Mar 2017)
Tax Bill$4,446 (2024)
Deeds & MortgagesMar 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN32-2S-21-42050-00F-0030

Property Details

APN / Parcel Number

Primary APN32-2S-21-42050-00F-0030
Alternative APN
  • 1071838

Interior

Bedrooms4 Beds
Full Baths4 Baths
Stories2 Stories
Building Area2,422 sqft Living Area
Gross Area3,101 sqft
FlooringHardwood
Interior WallsCustom/Decorative

Exterior

Year BuiltBuilt 2016
Exterior MaterialFiber Cement Siding
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area5,009 sqft (0.114 acres)
Lot Dimensions10 ft deep x 5 ft wide
Garage TypeFinished
Garage Area294 sqft

Exterior Amenities

PorchPorch
Porch Area385 sqft
Deck AreaDeck Area
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number1071838
Street Address28 PENELOPE ST
CityMIRAMAR BEACH
StateFL
Zip32550-4641
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 3 BLK F FRANGISTA BCH 2ND ADD PB 3-41 OR 1754-243 OR 2619-2550 OR 2619-3908 OR 2998-2878 OR 3036-2462
Legal Range21W
Legal Township02S
Legal Section32
Legal SubdivisionFRANGISTA BCH 2ND ADD S/D
Legal BlockF
Legal Lot Number3
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group1
Census Block1034
Census Tract950609

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address28 PENELOPE ST, MIRAMAR BEACH, FL 32550-4641
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 23, 2017 · Amount on Record
Deed SaleMar 23, 2017 · Amount on Record
Prior SaleDec 31, 2015 · Amount on Record
Deed Document Number0008873
Deed Book / Page3036 / 2462
Record UpdatedJun 8, 2026

March 2017: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateMar 23, 2017
Property Address28 PENELOPE ST, MIRAMAR BEACH, FL 32550-4641
Document Number0030362462
Book / Page3036 / 2462
Map ReferenceMB3 PG41
Instrument DateMar 22, 2017
Instrument0008873
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 30, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address75 BEAL PKWY SE, 75, FORT WALTON BEACH, FL 32548-5327

Transferred To (Grantee/Buyer)

NameVerified Name
Address3 LIVE OAK CT, DIAMONDHEAD, MS 39525-3216

Mortgage

Document Number0030362464
DateMar 23, 2017
Instrument3036/2464
Lender
NameWATERSTONE MORTGAGE CORP
TypeLending Institution
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2047

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$979,717 (-12.76%) Land $400,000 Building $579,717$979,717 (-12.76%) Land $400,000 Building $579,717
2024$4,446.00 (+3.78%)
2023$4,284.00 (+1.23%) Homeowner's exemption$1,123,061 (+4.07%) Land $450,000 Building $673,061$1,123,061 (+4.07%) Land $450,000 Building $673,061
2022$4,232.00 Homeowner's exemption$1,079,157 Land $283,050 Building $796,107$1,079,157 Land $283,050 Building $796,107

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 750 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies4,168 units insured
incl. 3,418 condo units
Nearby Flood Claims64 (1995–2024)
Claims Outside the SFHA45 of 64
Most Recent ClaimSep 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 RiskNot 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 SystemSOUTH WALTON UTILITY COMPANY
private · serves 26,668 people · EPA ID FL1660615
Water SourceGroundwater
Last State InspectionFeb 2026
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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