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

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

Property Summary

Property Type	Condominium
Owner	Individual Name on Record
Last Sale	$390,000 (Dec 2024)
Tax Bill	$2,942 (2024)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42863-000-005B`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42863-000-005B`
Alternative APN	`1068994`

Location & Zoning

Account Number	1068994
Street Address	285 PAYNE ST UNIT 5B, 5B
City	MIRAMAR BEACH
State	FL
Zip	32550-6849
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 5B CRYSTAL VILLAGE 2 COND PH 1 OR 1526-151 OR 2825-4306 OR 3115-4840 OR 3344-2956
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	CRYSTAL VILLAGE II PH 1
Legal Phase	1
Legal Lot Number	5B
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
Mailing Address	620 LORETTA CIR, SPICER, MN 56288-4653
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2022	Warranty Deed, Transfer · Conventional Mortgage PROGRESS BANK & TRUST
Dec 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROGRESS BANK & TRUST
Aug 26, 2019	Warranty Deed, Transfer · Conventional with PMI FIRST FL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2024 · Amount on Record
Deed Sale	Dec 13, 2024 · Amount on Record
Prior Sale	Sep 2, 2022 · Amount on Record
Deed Document Number	20240043293
Deed Book / Page	3344 / 2956
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 2, 2022
Property Address	285 PAYNE ST UNIT 5B, 5B, MIRAMAR BEACH, FL 32550-6849
Document Number	0032652136
Book / Page	3265 / 2136
Map Reference	MB 1525 PG 1
Instrument Date	Sep 1, 2022
Instrument	20220039792
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	$2,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9761 LEEWARD WAY, NAVARRE, FL 32566-2856

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4915 DUCOTE TRL, ALPHARETTA, GA 30004-5865

Mortgage

Document Number	0032652138
Date	Sep 2, 2022
Instrument	3265/2138

Lender

Name	PROGRESS BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7%
Index	Other
Margin	3
Max Rate	11%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	285 PAYNE ST UNIT 5B, 5B, MIRAMAR BEACH, FL 32550-6849
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 PAYNE ST 5B, 5B, MIRAMAR BEACH, FL 32550-6849

Mortgage

Document Number	0031730028
Date	Dec 10, 2020
Book Page	3173/28
Instrument	20200050885

Lender

Name	PROGRESS BANK & TRUST
Type	Bank
Address	HUNTSVILLE, AL 35801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 26, 2019
Property Address	285 PAYNE ST UNIT 5B, 5B, MIRAMAR BEACH, FL 32550-6849
Document Number	0031154840
Book / Page	003115 / 004840
Instrument Date	Aug 26, 2019
Instrument	29216
Transaction Type	Transfer
Record Updated	Sep 17, 2019
Title Company	MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4550 JOHN AVE #2 DESTIN FL 325413678, 2, DESTIN, FL 32541-3678

Mortgage

Document Number	31154841
Date	Aug 26, 2019
Book Page	003115/004841
Instrument	29217

Lender

Name	FIRST FL BK
Type	Bank
Address	DESTIN, FL 32540

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 25, 2049

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 (+22.57%)	$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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