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

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

Property Summary

Property Type	Condominium
Lot Size	0.011 acres (480 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (May 2026)
Tax Bill	$2,416 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42863-000-002B`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42863-000-002B`
Alternative APNs	`30-221-42863-000-002B` `1068988`

Interior

Units	61 Units

Exterior

Architectural Style	Condo/Apartment
Lot Area	480 sqft (0.011 acres)

Location & Zoning

Street Address	285 PAYNE ST, 2B
City	MIRAMAR BEACH
State	FL
Zip	32550-8200
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 2-B CRYSTAL VILLAGE II CONDO PH 1 OR 1530-205 OR 1991-62 OR 2660-4385 OR 2790-1624 OR 2930-2739 OR 2935-4764
Legal Range	021
Legal Township	02S
Legal Section	30
Legal Subdivision	CRYSTAL VILLAGE II CONDO PH 1
Legal Phase	1
Legal Lot Number	2B
Legal Unit	2-B
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 May 12, 2026

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
Mailing Address	285 PAYNE ST, 2B, MIRAMAR BEACH, FL 32550-8200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK
May 1, 2026	Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2026 · Amount on Record
Deed Sale	May 1, 2026 · Amount on Record
Prior Sale	Nov 12, 2013 · Amount on Record
Deed Document Number	202617482
Deed Book / Page	3396 / 2847
Prior Transfer Date	Oct 21, 2013
Prior Transfer Doc	0029354764
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 1, 2026
Property Address	285 PAYNE ST, 2B, MIRAMAR BEACH, FL 32550-8200
Document Number	0000017482
Book / Page	3396 / 2847
Instrument Date	Apr 30, 2026
Instrument	2026.17482
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	AQUA TITLE SERVICES, AQUARK TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$144,935.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 PAYNE ST, 2B, MIRAMAR BEACH, FL 32550-8200

Mortgage

Document Number	0000017483,
Date	May 1, 2026
Instrument	2026..17483

Lender

Name	SOUTH STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 1, 2026
Property Address	285 PAYNE ST, 2B, MIRAMAR BEACH, FL 32550-8200
Document Number	0033962847
Book / Page	3396 / 2847
Instrument Date	Apr 30, 2026
Instrument	202617482
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	TITLE SERVICES, AQUARK TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$144,935.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 PAYNE ST, 2B, MIRAMAR BEACH, FL 32550-8200

Mortgage

Document Number	0000017483,
Date	May 1, 2026
Instrument	202617483

Lender

Name	SOUTH STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

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	$2,416.00 (-0.25%)	$302,316 (-6.15%) Building $302,316	$302,316 (-6.15%) Building $302,316
2024	$2,422.00 (+4.67%)
2023	$2,314.00 (+15.87%)	$322,140 (+25%) Building $322,140	$322,140 (+25%) Building $322,140
2022	$1,997.00	$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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