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284 Bay Tree Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 284 Bay Tree Dr, Miramar Beach, FL 32550

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,701 sqft · built 2001
Lot Size0.137 acres (5,968 sqft)
Owner2 Individual Names on Record
Last Sale$599,900 (Sep 2026)
Tax Bill$3,576 (2025)
Deeds & MortgagesSep 2026 Sale
Aug 2024 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN28-2S-21-42406-000-001A

Property Details

APN / Parcel Number

Primary APN28-2S-21-42406-000-001A
Alternative APNs
  • 28-221-42406-000-001A
  • 1060584

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,701 sqft Living Area
Gross Area2,466 sqft
1st Floor Area1,701 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,968 sqft (0.137 acres)
Lot Dimensions74 ft deep x 81 ft wide
Garage TypeAttached
Garage Area462 sqft
PorchSlab
Porch Area183 sqft
Patio Area120 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address284 BAY TREE DR
CityMIRAMAR BEACH
StateFL
Zip32550-7842
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRP
Legal DescriptionLOT 1A TREETOPS AT BAYSIDE PH II PB 12-9 OR 2329-1771 OR 2838-1089 OR 2873-4668 OR 3273-3716 OR 3275-4467 OR 3284-1875 OR 3334-2554
Legal Range021
Legal Township02S
Legal Section28
Legal SubdivisionBAYSIDE PH II
Legal Phase2
Legal Lot Number1A
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group2
Census Block2006
Census Tract950609

Owner

Source: Walton County records, as of October 13, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address8091 SUNRISE CIR, FRANKLIN, TN 37067-8271
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

DateDocument
Sep 15, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Aug 28, 2024Warranty Deed, Transfer
SETCO SERVICES LLC
Mar 23, 2023Intrafamily Transfer, Transfer · Conventional Mortgage
TRUIST BANK
Dec 19, 2022Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 15, 2026 · Amount on Record
Deed SaleSep 15, 2026 · Amount on Record
Prior SaleAug 28, 2024 · Amount on Record
Deed Document Number202638091
Deed Book / Page3412 / 3937
Prior Transfer DateFeb 16, 2023
Prior Transfer Doc0032841875
Record UpdatedOct 29, 2026

September 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateSep 15, 2026
Property Address284 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842
Document Number0000038091
Book / Page3412 / 3937
Instrument DateSep 15, 2026
Instrument202638091
Transaction TypeTransfer
Record UpdatedSep 29, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
Tax$424,129.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address8091 SUNRISE CIR, FRANKLIN, TN 37067-8271

August 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateAug 28, 2024
Property Address284 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842
Document Number0033342554
Book / Page3334 / 2554
Map ReferenceMB 12 PG 9
Instrument DateAug 23, 2024
Instrument20240030369
Transaction TypeTransfer
Record UpdatedJan 12, 2026
Title CompanySETCO SERVICES LLC

Transaction

AmountAmount Recorded
Tax$3,045.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address284 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842

Transferred To (Grantee/Buyer)

NameVerified Name
Address2513 VINEYARD LN, MIRAMAR BEACH, FL 32550-5806

March 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionWALTON FL
Recording DateMar 23, 2023
Property Address284 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842
Document Number0032841875
Book / Page3284 / 1875
Map ReferenceMB 12 PG 9
Instrument DateFeb 16, 2023
Instrument20230010024
Transaction TypeTransfer
Record UpdatedFeb 20, 2024
Title CompanyEQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address284 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address284 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842

Mortgage

Document Number0032841877
DateMar 23, 2023
Instrument3284/1877
Lender
NameTRUIST BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2053

December 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionWALTON FL
Recording DateDec 19, 2022
Property Address284 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842
Document Number0032754467
Book / Page3275 / 4467
Map ReferenceMB 12 PG 9
Instrument DateDec 12, 2022
Instrument20220053829
Transaction TypeTransfer
Record UpdatedFeb 20, 2024
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address284 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842

Transferred To (Grantee/Buyer)

NameVerified Name
Address284 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 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$3,576.00 (-20.83%)$434,433 (-7.25%) Land $85,000 Building $349,433$434,433 (-7.25%) Land $85,000 Building $349,433
2024$4,517.00 (+6.16%)
2023$4,255.00 (+218.49%)$468,378 (+9.54%) Land $53,735 Building $414,643$468,378 (+9.54%) Land $53,735 Building $414,643
2022$1,336.00 Homeowner's exemption$427,576 Land $59,646 Building $367,930$427,576 Land $59,646 Building $367,930

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 428 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies645 units insured
incl. 217 condo units
Nearby Flood Claims23 (1998–2024)
Claims Outside the SFHA10 of 23
Most Recent ClaimSep 2024 · rainfall accumulation
Claims by Event
  • Hurricane Sally, Sep 2020 · 3 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 RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
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 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 337 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cox Communications
Fiber · Cable in parts of the area		2,000 / 35
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: CenturyLink, LiveOak Fiber, Mediacom Xtream, Wildstar Networks.

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