Walton County property record for 285 Payne St, Unit 28A, Miramar Beach, FL 32550
| Property Type | Condominium |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $375,000 (Oct 2024) |
| Tax Bill | $2,892 (2024) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42864-000-028A |
| Primary APN | 30-2S-21-42864-000-028A |
|---|---|
| Alternative APN |
|
| Account Number | 1069001 |
|---|---|
| Street Address | 285 PAYNE ST UNIT 28A, 28A |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-8309 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | UNIT 28-A CRYSTAL VILLAGE II PH 2 OR 1800-353 OR 2958-2596 OR 3187-232 OR 3339-1942 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | CRYSTAL VILLAGE II PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 28A |
| Legal Unit | 28-A |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 950608 |
285 Payne St, Unit 28A is owned by an individual who bought it in October 2024.
Source: Walton County records, as of December 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 171BECK CT, SILOAM SPRINGS, AR 72761 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2024 · Amount on File |
| Deed Sale | Oct 21, 2024 · Amount on File |
| Prior Sale | Mar 10, 2021 · Amount on File |
| Deed Document Number | 20240036697 |
| Deed Book / Page | 3339 / 1942 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 10, 2021 |
| Property Address | 285 PAYNE ST UNIT 28A, 28A, MIRAMAR BEACH, FL 32550-8309 |
| Document Number | 0031870232 |
| Book / Page | 3187 / 232 |
| Map Reference | MB 1525 PG 1 |
| Instrument Date | Mar 5, 2021 |
| Instrument | 20210011404 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | VINTAGE TITLE AND ESCROW INC, VINTAGE TITLE & ESCROW INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,771.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1024 ALDERWOOD WAY, NICEVILLE, FL 32578-1145 |
| Name | Verified Name |
|---|---|
| Address | 57 LAUER OCURT, WENTZVILLE, MO 63385-4645 |
| Document Number | 0003187235 |
|---|---|
| Date | Mar 10, 2021 |
| Instrument | 3187/235 |
| Name | INLANTA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
Source: Walton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $277,536 Building $277,536 | $277,536 Building $277,536 | |
| 2024 | $2,892.00 (+5.55%) | ||
| 2023 | $2,740.00 (+14.74%) | $322,140 (+25%) Building $322,140 | $322,140 (+25%) Building $322,140 |
| 2022 | $2,388.00 | $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.
FEMA maps place 285 Payne St, Unit 28A 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 risk around 285 Payne St, Unit 28A 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.
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 |
| 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.
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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