280 Beach Dr N, Miramar Beach, FL 32550 Property Records

Walton County property record for 280 Beach Dr N, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,322 sqft · built 2007
Lot Size	0.276 acres (12,023 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,100,000 (May 2023)
Tax Bill	$16,034 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage May 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34-2S-21-42060-006-0120`

Property Details

APN / Parcel Number

Primary APN	`34-2S-21-42060-006-0120`
Alternative APNs	`34-221-42060-006-0120` `1076572`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,322 sqft Living Area
Gross Area	4,762 sqft
1st Floor Area	1,597 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2010
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	12,023 sqft (0.276 acres)
Lot Dimensions	145 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	621 sqft
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	819 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	280 BEACH DR N
City	MIRAMAR BEACH
State	FL
Zip	32550-4119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 12 BLK 6 GULF PINES S/D PB 2-86 OR 2436-125 OR 2436-126 &-127 OR 2662-2670 OR 2722-948 OR 2839-4162 OR 2860-2367 OR 3217-2488 OR 3228-1195 OR 3290-924
Legal Range	021
Legal Township	02S
Legal Section	34
Legal Subdivision	GULF PINES
Legal Block	6
Legal Lot Number	12
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1022
Census Tract	950609

Owner

Source: Walton County records, as of December 29, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	5140 GENRE RD, PORT ALLEN, LA 70767-4209
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 22, 2023	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
May 19, 2022	Deed of Trust, Mortgage · Line of Credit CB&S BANK INC
Dec 6, 2021	Warranty Deed, Transfer AQUA TITLE SERVICES
Sep 22, 2021	Intrafamily Transfer, Transfer ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2023 · Amount on Record
Deed Sale	May 22, 2023 · Amount on Record
Prior Sale	Dec 6, 2021 · Amount on Record
Deed Document Number	202317878
Deed Book / Page	3290 / 924
Prior Transfer Date	Jun 7, 2021
Prior Transfer Doc	0032172488
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 22, 2023
Property Address	280 BEACH DR N, MIRAMAR BEACH, FL 32550-4119
Document Number	0032900924
Book / Page	3290 / 924
Map Reference	MB 2 PG 86
Instrument Date	May 19, 2023
Instrument	20230017878
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	801 FRANKLIN ST SE, HUNTSVILLE, AL 35801-4311

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5140 GENRE RD, PORT ALLEN, LA 70767-4209

Mortgage

Document Number	0003290926
Date	May 22, 2023
Instrument	3290/926

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jun 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.5%
Index	Other
Margin	3
Max Rate	10.5%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	280 BEACH DR N, MIRAMAR BEACH, FL 32550-4119
Transaction Type	Mortgage
Record Updated	May 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 FRANKLIN ST SE, HUNTSVILLE, AL 35801-4311

Mortgage

Document Number	0032524862
Date	May 19, 2022
Book Page	3252/4862
Instrument	20220023887

Lender

Name	CB&S BANK INC
Type	Bank
Address	HUNTSVILLE, AL 35801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	May 5, 2025

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 6, 2021
Property Address	280 BEACH DR N, MIRAMAR BEACH, FL 32550-4119
Document Number	0032281195
Book / Page	3228 / 1195
Map Reference	MB 2 PG 86
Instrument Date	Dec 3, 2021
Instrument	20210060029
Transaction Type	Transfer
Record Updated	Dec 29, 2021
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$14,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	205 W HEWETT RD # RD31, 205, SANTA ROSA BEACH, FL 32459-3322

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 FRANKLIN ST SE, HUNTSVILLE, AL 35801-4311

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Sep 22, 2021
Property Address	280 BEACH DR N, MIRAMAR BEACH, FL 32550-4119
Document Number	0032172488
Book / Page	3217 / 2488
Map Reference	MB 2 PG 86
Instrument Date	Jun 7, 2021
Instrument	20210047641
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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
Relationship	Family Revocable Trust
Address	280 BEACH DR N, MIRAMAR BEACH, FL 32550-4119

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	$16,034.00 (+6.4%)	$1,774,584 (+2.21%) Land $650,000 Building $1,124,584	$1,774,584 (+2.21%) Land $650,000 Building $1,124,584
2024	$15,070.00 (-4.27%)
2023	$15,742.00 (+8.05%)	$1,736,278 (+10.44%) Land $565,000 Building $1,171,278	$1,736,278 (+10.44%) Land $565,000 Building $1,171,278
2022	$14,569.00	$1,572,130 Land $360,750 Building $1,211,380	$1,572,130 Land $360,750 Building $1,211,380

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
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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	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.

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

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Wildstar Networks.

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