285 Payne St, Unit 8B, Miramar Beach, FL 32550 Property Records

Walton County property record for 285 Payne St, Unit 8B, Miramar Beach, FL 32550

Property Summary

Property Type	Condominium
Lot Size	0.011 acres (481 sqft)
Owner	Individual Name on File
Last Sale	$450,000 (Nov 2022)
Tax Bill	$2,851 (2024)
Deeds & Mortgages	Nov 2022 Sale & Line of Credit May 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42862-000-008B`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42862-000-008B`
Alternative APN	`1068980`

Exterior

Lot Area	481 sqft (0.011 acres)

Location & Zoning

Account Number	1068980
Street Address	285 PAYNE ST UNIT 8B, 8B
City	MIRAMAR BEACH
State	FL
Zip	32550-6849
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 8B CRYSTAL VILLAGE CONDO PH II AND INTEREST IN COMMON ELEMENTS AS REC IN OR 317-779 OR 1110-140 OR 2846-4109 OR
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	CRYSTAL VILLAGE I PH 2
Legal Phase	2
Legal Lot Number	8B
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2005
Census Tract	950608

Owner

285 Payne St, Unit 8B is owned by an individual who bought it in November 2022.

Source: Walton County records, as of December 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2663 GUNN RD, ADAMS, TN 37010-9092
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2022	Warranty Deed, Transfer · Line of Credit FIRST FINANCIAL BANK NA
May 25, 2017	Warranty Deed, Transfer FIRST INT'L TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2022 · Amount on File
Deed Sale	Nov 28, 2022 · Amount on File
Prior Sale	May 25, 2017 · Amount on File
Deed Document Number	20220051105
Deed Book / Page	3273 / 4594
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 28, 2022
Property Address	285 PAYNE ST UNIT 8B, 8B, MIRAMAR BEACH, FL 32550-6849
Document Number	0032734594
Book / Page	3273 / 4594
Map Reference	MB 317 PG 779
Instrument Date	Nov 21, 2022
Instrument	20220051105
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3939 1 2 OSCEOLA ST, DENVER, CO 80212

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2663 GUNN RD, ADAMS, TN 37010-9092
Investor	Possibly a Property Investor

Mortgage

Document Number	0032734596
Date	Nov 28, 2022
Instrument	3273/4596

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 25, 2017
Property Address	285 PAYNE ST UNIT 8B, 8B, MIRAMAR BEACH, FL 32550-6849
Document Number	0030421715
Book / Page	003042 / 001715
Instrument Date	May 22, 2017
Instrument	17144
Transaction Type	Transfer
Record Updated	May 31, 2017
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount on Record
Tax	$1,148.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3939 OSCEOLA ST DENVER CO 802122142, DENVER, CO 80212-2142

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%)	$312,228 (-) Building $312,228	$312,228 (-) Building $312,228
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

FEMA maps place 285 Payne St, Unit 8B in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2014.

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 File 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

Wildfire risk around 285 Payne St, Unit 8B is low, with less than a 0.01% annual chance of 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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