285 Payne St, Unit 30B, Miramar Beach, FL 32550 Property Records

Walton County property record for 285 Payne St, Unit 30B, Miramar Beach, FL 32550

Property Summary

Property Type	Condominium
Owner	Individual Name on Record
Last Sale	$422,000 (Jun 2023)
Tax Bill	$2,942 (2024)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Dec 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42864-000-030B`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42864-000-030B`
Alternative APN	`1069006`

Location & Zoning

Account Number	1069006
Street Address	285 PAYNE ST UNIT 30B, 30B
City	MIRAMAR BEACH
State	FL
Zip	32550-8311
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 30-B CRYSTAL VILLAGE II PHASE 2 OR 1895-133 OR 2428-1648 OR 2483-1685 OR 2506-486 OR 3045-2619 OR 3232-1156
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	CRYSTAL VILLAGE II PH 2
Legal Phase	2
Legal Lot Number	30B
Legal Unit	30-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 December 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	812 SNOWBERRY RIDGE DR, O FALLON, MO 63366-7693
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 30, 2021	Warranty Deed, Transfer · Conventional Mortgage CITY BANK
Nov 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED MUTUAL FUNDING CORP
Jun 30, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2023 · Amount on Record
Deed Sale	Jun 30, 2023 · Amount on Record
Prior Sale	Dec 30, 2021 · Amount on Record
Deed Document Number	20230023255
Deed Book / Page	3294 / 1276
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 30, 2023
Property Address	285 PAYNE ST UNIT 30B, 30B, MIRAMAR BEACH, FL 32550-8311
Document Number	0032941276
Book / Page	3294 / 1276
Map Reference	MB 1525 PG 1
Instrument Date	Jun 28, 2023
Instrument	20230023255
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	SOUTHERN OAKS TITLE LLC, SOUTHERN COAST TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,954.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3883 REGENT DR, DALLAS, TX 75229-5245

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	812 SNOWBERRY RIDGE DR, O FALLON, MO 63366-7693

Mortgage

Document Number	0032941278
Date	Jun 30, 2023
Instrument	3294/1278

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 30, 2021
Property Address	285 PAYNE ST UNIT 30B, 30B, MIRAMAR BEACH, FL 32550-8311
Document Number	0032321156
Book / Page	3232 / 1156
Map Reference	MB 1790 PG 416
Instrument Date	Dec 28, 2021
Instrument	20210064676
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,492.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1515 EMINENCE LN, WYLIE, TX 75098-0909

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3883 REGENT DR, DALLAS, TX 75229-5245

Mortgage

Document Number	0032321158
Date	Dec 30, 2021
Instrument	3232/1158

Lender

Name	CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2037

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	285 PAYNE ST UNIT 30B, 30B, MIRAMAR BEACH, FL 32550-8311
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031233441
Date	Nov 8, 2019
Book Page	3123/3441
Instrument	20190039315

Lender

Name	UNITED MUTUAL FUNDING CORP
Type	Mortgage Company
Address	BRANDON, FL 33511

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 30, 2017
Property Address	285 PAYNE ST UNIT 30B, 30B, MIRAMAR BEACH, FL 32550-8311
Document Number	0030452619
Book / Page	3045 / 2619
Instrument Date	Jun 28, 2017
Instrument	20170021493
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	818 GLENCORSE DR, 818, SAINT PETERS, MO 63304-7566

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8415 WESTFIELD DR NE, CEDAR RAPIDS, IA 52402-7652

Mortgage

Document Number	0030452621
Date	Jun 30, 2017
Instrument	3045/2621

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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		$277,536 (-13.85%) Building $277,536	$277,536 (-13.85%) Building $277,536
2024	$2,942.00 (+7.37%)
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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