29 Penelope St, Miramar Beach, FL 32550 Property Records

Walton County property record for 29 Penelope St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	8 bd · 9 ba · 3,651 sqft · built 2022
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on Record
Last Sale	$2,395,000 (Mar 2025)
Tax Bill	$12,859 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Dec 2023 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00G-0140`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00G-0140`
Alternative APN	`32-221-42050-00G-0140`

Interior

Bedrooms	6 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,636 sqft Living Area
Gross Area	4,758 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Porch	Finished Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	29 PENELOPE ST
City	MIRAMAR BEACH
State	FL
Zip	32550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 14 BLK G FRANGISTA BEACH 2ND ADDITION PB 3-41 OR 1754-243 OR 2696-2350 OR 3153-208 OR 3187-4631 OR 3211-3529-& 3531 OR 3309-4345 OR 3309-4347 OR 3352-3321
Legal Range	021
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BEACH 2ND ADDITION
Legal Block	G
Legal Lot Number	14
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1031
Census Tract	950609

Owner

Source: Walton County records, as of December 3, 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
Mailing Address	118 EAGLE POINT DR, WAXAHACHIE, TX 75165-5490
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2024	Deed of Trust, Mortgage · Line of Credit RENASANT BANK
Dec 7, 2023	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Dec 7, 2023	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Aug 13, 2021	Correction Deed ACCOMODATION, ACCOMMODATION
Aug 13, 2021	Quit Claim Deed, Transfer · Construction Mortgage TRUSTMARK NATIONAL BANK
Mar 16, 2021	Quit Claim Deed, Transfer · Line of Credit TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2025 · Amount on Record
Deed Sale	Mar 17, 2025 · Amount on Record
Prior Sale	Aug 13, 2021 · Amount on Record
Deed Document Number	20258714
Deed Book / Page	3352 / 3321
Prior Transfer Date	Aug 11, 2021
Prior Transfer Doc	0032113531
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	29 PENELOPE ST, MIRAMAR BEACH, FL 32550-4642
Transaction Type	Mortgage
Record Updated	Feb 28, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 HERONS XING, SANTA ROSA BEACH, FL 32459-4600

Mortgage

Document Number	0033140436
Date	Jan 30, 2024
Book Page	3314/436
Instrument	20240003060

Lender

Name	RENASANT BANK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jan 25, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 7, 2023
Property Address	29 PENELOPE ST, MIRAMAR BEACH, FL 32550-4642
Document Number	0033094345
Book / Page	3309 / 4345
Map Reference	MB 3 PG 41
Instrument Date	Nov 28, 2023
Instrument	20230043847
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	92 HERONS XING, SANTA ROSA BEACH, FL 32459-4600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 HERONS XING, SANTA ROSA BEACH, FL 32459-4600

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 7, 2023
Property Address	29 PENELOPE ST, MIRAMAR BEACH, FL 32550-4642
Document Number	0033094347
Book / Page	3309 / 4347
Map Reference	MB 3 PG 41
Instrument Date	Nov 28, 2023
Instrument	20230043848
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	92 HERONS XING, SANTA ROSA BEACH, FL 32459-4600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 HERONS XING, SANTA ROSA BEACH, FL 32459-4600

August 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	WALTON FL
Recording Date	Aug 13, 2021
Property Address	29 PENELOPE ST, MIRAMAR BEACH, FL 32550-4642
Document Number	0032113529
Book / Page	3211 / 3529
Map Reference	MB 3 PG 41
Instrument Date	Aug 11, 2021
Instrument	20210040751
Record Updated	Feb 20, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$1,575.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	179 SHORE DR, DESTIN, FL 32550-3902

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	179 SHORE DR, DESTIN, FL 32550-3902

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Aug 13, 2021
Property Address	29 PENELOPE ST, MIRAMAR BEACH, FL 32550-4642
Document Number	0032113531
Book / Page	3211 / 3531
Map Reference	MB 3 PG 41
Instrument Date	Aug 11, 2021
Instrument	20210040752
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	179 SHORE DR, DESTIN, FL 32550-3902

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	80 WOODLAND BAYOU DR, SANTA ROSA BEACH, FL 32459-3402

Mortgage

Document Number	0032113535
Date	Aug 13, 2021
Instrument	3211/3535

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 11, 2026

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Mar 16, 2021
Property Address	29 PENELOPE ST, MIRAMAR BEACH, FL 32550-4642
Document Number	0031874631
Book / Page	3187 / 4631
Map Reference	MB 3 PG 41
Instrument Date	Mar 9, 2021
Instrument	20210012497
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	179 SHORE DR, DESTIN, FL 32550-3902

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	179 SHORE DR, DESTIN, FL 32550-3902

Mortgage

Document Number	0031874635
Date	Mar 16, 2021
Instrument	3187/4635

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 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	$12,859.00 (-14.98%)	$1,423,225 (-14.05%) Land $475,000 Building $948,225	$1,423,225 (-14.05%) Land $475,000 Building $948,225
2024	$15,124.00 (+5.21%)
2023	$14,375.00 (+448.04%)	$1,655,811 (+484.99%) Land $450,000 Building $1,205,811	$1,655,811 (+484.99%) Land $450,000 Building $1,205,811
2022	$2,623.00	$283,050 Land $283,050	$283,050 Land $283,050

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 750 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4,168 units insured incl. 3,418 condo units
Nearby Flood Claims	64 (1995–2024)
Claims Outside the SFHA	45 of 64
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 29 claims Hurricane Frances, Sep 2004 · 10 claims

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	Not rated no burnable land within 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 360 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: CenturyLink, T-Mobile, Wildstar Networks.

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