285 Payne St, Unit 6B, Miramar Beach, FL 32550 Property Records

Walton County property record for 285 Payne St, Unit 6B, Miramar Beach, FL 32550

Property Summary

Property Type	Condominium
Lot Size	0.011 acres (480 sqft)
Owner	Individual Name on Record
Last Sale	$377,000 (Jul 2022)
Tax Bill	$2,851 (2024)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42862-000-006B`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42862-000-006B`
Alternative APN	`1068976`

Exterior

Lot Area	480 sqft (0.011 acres)

Location & Zoning

Account Number	1068976
Street Address	285 PAYNE ST UNIT 6B, 6B
City	MIRAMAR BEACH
State	FL
Zip	32550-6849
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 6-B CRYSTAL VILLAGE CONDO PH II AND INTEREST IN COMMON ELEMENTS AS REC IN OR 317-779 OR 507-90 OR 979-54 OR 1263-47 OR
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	CRYSTAL VILLAGE I PH 2
Legal Phase	2
Legal Lot Number	6B
Legal Unit	6-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 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	120 TANALI TRL, GEORGETOWN, TX 78628-2092
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK
Mar 22, 2017	Warranty Deed, Transfer · Conventional Mortgage FIDELITY BANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2022 · Amount on Record
Deed Sale	Jul 18, 2022 · Amount on Record
Prior Sale	Aug 26, 2019 · Amount on Record
Deed Document Number	20220033141
Deed Book / Page	3260 / 1695
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 18, 2022
Property Address	285 PAYNE ST UNIT 6B, 6B, MIRAMAR BEACH, FL 32550-6849
Document Number	0032601695
Book / Page	3260 / 1695
Map Reference	MB 317 PG 779
Instrument Date	Jul 14, 2022
Instrument	20220033141
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW AND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,639.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	121 W LAKE DR, ROSWELL, GA 30075-1140

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 TANALI TRL, GEORGETOWN, TX 78628-2092

Mortgage

Document Number	0032601696
Date	Jul 18, 2022
Instrument	3260/1696

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

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

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 22, 2017
Property Address	285 PAYNE ST UNIT 6B, 6B, MIRAMAR BEACH, FL 32550-6849
Document Number	0030362347
Book / Page	3036 / 2347
Instrument Date	Mar 21, 2017
Instrument	0008823
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	FIRST INTL TITLE DESTIN

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	10047 W 145TH ST, 10047, ORLAND PARK, IL 60462-2484

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 W LAKE DR, ROSWELL, GA 30075-1140

Mortgage

Document Number	0030362349
Date	Mar 22, 2017
Instrument	3036/2349

Lender

Name	FIDELITY BANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 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 (-11.11%) Building $277,536	$277,536 (-11.11%) Building $277,536
2024	$2,851.00 (+0.49%)
2023	$2,837.00 (+89.26%)	$312,228 (+93.01%) Building $312,228	$312,228 (+93.01%) Building $312,228
2022	$1,499.00	$161,764 Building $161,764	$161,764 Building $161,764

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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