285 Payne St, Unit 2A, Miramar Beach, FL 32550 Property Records

Walton County property record for 285 Payne St, Unit 2A, Miramar Beach, FL 32550

Property Summary

Property Type	Condominium
Owner	Individual Name on Record
Last Sale	$310,000 (Dec 2021)
Tax Bill	$2,892 (2024)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Aug 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42863-000-002A`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42863-000-002A`
Alternative APN	`1068987`

Location & Zoning

Account Number	1068987
Street Address	285 PAYNE ST UNIT 2A, 2A
City	MIRAMAR BEACH
State	FL
Zip	32550-6848
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 2A CRYSTAL VILLAGE II PH 1 CONDO DEC OR 1525-1 OR 1595-263 OR 3071-1141 OR 3116-458 OR 3227-2475
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	CRYSTAL VILLAGE II PH 1
Legal Phase	1
Legal Lot Number	2A
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2005
Census Tract	950608

Owner

Source: Walton County records, as of December 17, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	815 THATCHER WAY, FRANKLIN, TN 37064-5439
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2021	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK
Aug 27, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Apr 18, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2021 · Amount on Record
Deed Sale	Dec 1, 2021 · Amount on Record
Prior Sale	Aug 27, 2019 · Amount on Record
Deed Document Number	20210059205
Deed Book / Page	3227 / 2475
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 1, 2021
Property Address	285 PAYNE ST UNIT 2A, 2A, MIRAMAR BEACH, FL 32550-6848
Document Number	0032272475
Book / Page	3227 / 2475
Map Reference	MB 1525 PG 1
Instrument Date	Nov 29, 2021
Instrument	20210059205
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ADVANTAGEONE TITLE, ADVANTAGE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	375 BAY TREE DR, DESTIN, FL 32550-7866

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 THATCHER WAY, FRANKLIN, TN 37064-5439

Mortgage

Document Number	0032272477
Date	Dec 1, 2021
Instrument	3227/2477

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2036

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 27, 2019
Property Address	285 PAYNE ST UNIT 2A, 2A, MIRAMAR BEACH, FL 32550-6848
Document Number	0031160458
Book / Page	003116 / 000458
Instrument Date	Aug 26, 2019
Instrument	29316
Transaction Type	Transfer
Record Updated	Sep 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,707.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1507 LIPSCOMB DR BRENTWOOD TN 370277032, BRENTWOOD, TN 37027-7032

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 18, 2018
Property Address	285 PAYNE ST UNIT 2A, 2A, MIRAMAR BEACH, FL 32550-6848
Document Number	0030711141
Book / Page	3071 / 1141
Map Reference	MB1525 PG1
Instrument Date	Apr 16, 2018
Instrument	2018000012672
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	459 LINKSIDE PL E, 459, MIRAMAR BEACH, FL 32550-4841

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	217 CAMERON DR, NICHOLASVILLE, KY 40356-2455

Mortgage

Document Number	2018000012673
Date	Apr 18, 2018
Instrument	2018000012673

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

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		$302,316 (-6.15%) Building $302,316	$302,316 (-6.15%) Building $302,316
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.

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 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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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