284 Overlook Dr, Miramar Beach, FL 32550 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,852 sqft · built 1995
Lot Size	0.203 acres (8,886 sqft)
Owner	Company Name on Record
Last Sale	$1,580,000 (Apr 2023)
Tax Bill	$12,133 (2024)
Deeds & Mortgages	Apr 2023 Sale Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34-2S-21-42070-008-0020`

Property Details

APN / Parcel Number

Primary APN	`34-2S-21-42070-008-0020`
Alternative APN	`1076617`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,852 sqft Living Area
Gross Area	3,787 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2001
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Tin
Lot Area	8,886 sqft (0.203 acres)
Lot Dimensions	13.5 ft deep x 6.6 ft wide
Garage Type	Finished
Garage Area	631 sqft

Exterior Amenities

Porch	Porch
Porch Area	474 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1076617
Street Address	284 OVERLOOK DR
City	MIRAMAR BEACH
State	FL
Zip	32550-4185
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK 8 GULF PINES 1ST ADDITION PB 3-2 OR 921-88 OR 2978-2339 OR 3007-266 OR 3119-2279 OR 3287-2163
Legal Range	21W
Legal Township	02S
Legal Section	34
Legal Subdivision	GULF PINES 1ST ADD
Legal Block	8
Legal Lot Number	2
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1018
Census Tract	950609

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 Record	Company Name on Record
Mailing Address	51 HIGHWAY F, POPLAR BLUFF, MO 63901-8598
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2023	Warranty Deed, Transfer SETCO SERVICES LLC
Jun 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage ARMSTRONG BANK
Jun 19, 2020	Deed of Trust, Mortgage ARMSTRONG BK
Oct 1, 2019	Warranty Deed, Transfer · Commercial Mortgage ARMSTRONG BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2023 · Amount on Record
Deed Sale	Apr 25, 2023 · Amount on Record
Prior Sale	Oct 1, 2019 · Amount on Record
Deed Document Number	20230014150
Deed Book / Page	3287 / 2163
Record Updated	Jun 8, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 25, 2023
Property Address	284 OVERLOOK DR, MIRAMAR BEACH, FL 32550-4185
Document Number	0032872163
Book / Page	3287 / 2163
Map Reference	MB 3 PG 2
Instrument Date	Apr 24, 2023
Instrument	20230014150
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$11,060.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1929 GLEN WEST WAY, FORT SMITH, AR 72916-8351

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5100 HIGHWAY PP, POPLAR BLUFF, MO 63901-1834

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	284 OVERLOOK DR, MIRAMAR BEACH, FL 32550-4185
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031472355
Date	Jun 24, 2020
Book Page	3147/2355
Instrument	20200021769

Lender

Name	ARMSTRONG BANK
Type	Bank
Address	FORT SMITH, AR 72903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	284 OVERLOOK DR, MIRAMAR BEACH, FL 32550-4185
Document Number	0031574750
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Oct 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	284 OVERLOOK DR MIRAMAR BEACH FL 325504185, MIRAMAR BEACH, FL 32550-4185

Mortgage

Document Number	0031574750
Date	Sep 2, 2020
Book Page	003157/004750
Instrument	33801

Lender

Name	ARMSTRONG BK
Type	Bank
Address	FORT SMITH, AR 72903

Agreement

Amount	Amount Recorded

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 1, 2019
Property Address	284 OVERLOOK DR, MIRAMAR BEACH, FL 32550-4185
Document Number	0031192279
Book / Page	3119 / 2279
Map Reference	MB 3 PG 2
Instrument Date	Sep 26, 2019
Instrument	20190033852
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,250.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2995 GUM CREEK RD, 2995, OXFORD, GA 30054-2511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1929 GLEN WESY WAY, FORT SMITH, AR 72916-8351

Mortgage

Document Number	0031192282
Date	Oct 1, 2019
Instrument	3119/2282

Lender

Name	ARMSTRONG BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	17 Months
Due	Mar 26, 2021

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$1,420,948 (+3.69%) Land $650,000 Building $770,948	$1,420,948 (+3.69%) Land $650,000 Building $770,948
2024	$12,133.00 (+22.36%)
2023	$9,916.00 (+11.04%)	$1,370,424 (+16.11%) Land $621,500 Building $748,924	$1,370,424 (+16.11%) Land $621,500 Building $748,924
2022	$8,930.00	$1,180,327 Land $396,825 Building $783,502	$1,180,327 Land $396,825 Building $783,502

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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