285 Payne St, Unit 26B, Miramar Beach, FL 32550 Property Records

Walton County property record for 285 Payne St, Unit 26B, Miramar Beach, FL 32550

Property Summary

Property Type	Condominium
Lot Size	0.011 acres (474 sqft)
Owner	Individual Name on File
Last Sale	$399,900 (Apr 2022)
Tax Bill	$2,507 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Nov 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42864-000-026B`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42864-000-026B`
Alternative APNs	`30-221-42864-000-026B` `1068998`

Interior

Units	61 Units

Exterior

Architectural Style	Condo/Apartment
Lot Area	474 sqft (0.011 acres)

Location & Zoning

Street Address	285 PAYNE ST, 26B
City	MIRAMAR BEACH
State	FL
Zip	32550-8311
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RP
Legal Description	UNIT 26-B CRYSTAL VILLAGE II PHASE 2 OR 1795-153 OR 2075-346 OR 2820-405 &-3604 OR 3168-3670 OR 3247-2742
Legal Range	021
Legal Township	02S
Legal Section	30
Legal Subdivision	CRYSTAL VILLAGE
Legal Phase	2
Legal Block	2
Legal Lot Number	26B
Legal Unit	26-B
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2005
Census Tract	950608

Owner

285 Payne St, Unit 26B is owned by an individual who bought it in April 2022.

Source: Walton County records, as of December 3, 2025

Owner of Record	Individual Name on File
Mailing Address	2405 HERITAGE DR, OPELIKA, AL 36804-7609
Owner Type	Individual
Vesting	Surviving Spouse

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

Date	Document
Apr 11, 2022	Warranty Deed, Transfer · Conventional Mortgage CADENCE BANK NA
Nov 12, 2020	Warranty Deed, Transfer NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2022 · Amount on File
Deed Sale	Apr 11, 2022 · Amount on File
Prior Sale	Nov 12, 2020 · Amount on File
Deed Document Number	202217196
Deed Book / Page	3247 / 2742
Prior Transfer Date	Jul 1, 2009
Prior Transfer Doc	0028203604
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 11, 2022
Property Address	285 PAYNE ST UNIT 26B, 26B, MIRAMAR BEACH, FL 32550-8311
Document Number	0032472742
Book / Page	3247 / 2742
Map Reference	MB 1790 PG 416
Instrument Date	Apr 6, 2022
Instrument	20220017196
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,799.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3722 SHARON LN, BESSEMER, AL 35023-2637

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2405 HERITAGE DR, OPELIKA, AL 36804-7609

Mortgage

Document Number	0032472744
Date	Apr 11, 2022
Instrument	3247/2744

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	May 1, 2032
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	9.25%
Index	1-Year CMT
Max Rate	9.25%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 12, 2020
Property Address	285 PAYNE ST UNIT 26B, 26B, MIRAMAR BEACH, FL 32550-8311
Document Number	0031683670
Book / Page	003168 / 003670
Instrument Date	Nov 12, 2020
Instrument	46118
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW

Transaction

Amount	Amount on Record
Tax	$1,953.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3722 SHARON LN HUEYTOWN AL 350232637, HUEYTOWN, AL 35023-2637

Tax Assessment & Valuation

The 2025 property tax bill for 285 Payne St, Unit 26B was $2,507, down 14.8% from the year before.

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	$2,507.00 (-14.79%)	$277,536 Building $277,536	$277,536 Building $277,536
2024	$2,942.00 (+0.51%)
2023	$2,927.00 (+42.99%)	$322,140 (+25%) Building $322,140	$322,140 (+25%) Building $322,140
2022	$2,047.00	$257,712 Building $257,712	$257,712 Building $257,712

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

Flood

FEMA maps place 285 Payne St, Unit 26B in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2014.

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 File median of 203 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	706 units insured incl. 503 condo units
Nearby Flood Claims	3 (2014–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2020 · Hurricane Sally

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 285 Payne St, Unit 26B is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 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 437 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Wildstar Networks.

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