285 Payne St, Unit 5A, Miramar Beach, FL 32550 Property Records

Walton County property record for 285 Payne St, Unit 5A, Miramar Beach, FL 32550

Property Summary

Property Type	Condominium
Owner	Individual Name on Record
Last Sale	$359,000 (Jun 2025)
Tax Bill	$2,942 (2024)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Apr 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42863-000-005A`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42863-000-005A`
Alternative APN	`1068993`

Location & Zoning

Account Number	1068993
Street Address	285 PAYNE ST UNIT 5A, 5A
City	MIRAMAR BEACH
State	FL
Zip	32550-6848
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 5A CRYSTAL VILLAGE II CONDO PH 1 OR 1720-352 OR 2211-306 OR 2563-363 OR 2647-956 OR 2676-775 OR 3194-1646 OR 3362-4877
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	CRYSTAL VILLAGE II PH 1
Legal Phase	1
Legal Lot Number	5A
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	17100 BECK CT, SILOAM SPRINGS, AR 72761-7654
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Warranty Deed, Transfer · Commercial Mortgage CONVENTUS LLC
Apr 23, 2021	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Dec 27, 2018	Warranty Deed, Transfer NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2025 · Amount on Record
Deed Sale	Jun 30, 2025 · Amount on Record
Prior Sale	Aug 31, 2022 · Amount on Record
Deed Document Number	20250022768
Deed Book / Page	3362 / 4877
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 31, 2022
Property Address	285 PAYNE ST UNIT 5A, 5A, MIRAMAR BEACH, FL 32550-6848
Document Number	0032650258
Book / Page	3265 / 258
Map Reference	MB 1525 PG 1
Instrument Date	Aug 25, 2022
Instrument	20220039339
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	CUSTOMERS FIRST TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,919.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	158 SECRET HARBOR DR, MIRAMAR BEACH, FL 32550-8255

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 WARBLER WAY, ALBANY, NY 12203-5333

Mortgage

Document Number	0032650262
Date	Aug 31, 2022
Book Page	3265/262
Instrument	20220039341

Lender

Name	CONVENTUS LLC
Type	Non-Lending Institution
Address	SAN FRANCISCO, CA 94103

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Apr 23, 2021
Property Address	285 PAYNE ST UNIT 5A, 5A, MIRAMAR BEACH, FL 32550-6848
Document Number	0031941646
Book / Page	3194 / 1646
Map Reference	MB 1525 PG 1
Instrument Date	Apr 12, 2021
Instrument	20210019925
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	158 SECRET HARBOR DR, MIRAMAR BEACH, FL 32550-8255

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 27, 2018
Property Address	285 PAYNE ST UNIT 5A, 5A, MIRAMAR BEACH, FL 32550-6848
Document Number	0030932562
Book / Page	003093 / 002562
Instrument Date	Dec 21, 2018
Instrument	42667
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW

Transaction

Amount	Amount Recorded
Tax	$1,400.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	158 SECRET HARBOR DR MIRAMAR BEACH FL 325508255, MIRAMAR BEACH, FL 32550-8255

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	$2,942.00 (+0.51%)
2023	$2,927.00 (+46.57%)	$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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