29 Ruth St, Miramar Beach, FL 32550 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,688 sqft · built 2019
Lot Size	0.114 acres (5,009 sqft)
Owner	Individual Name on Record
Last Sale	$1,225,000 (Jan 2024)
Tax Bill	$11,039 (2024)
Deeds & Mortgages	Jan 2024 Sale Mar 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00F-0120`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00F-0120`
Alternative APN	`1071847`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,688 sqft Living Area
Gross Area	3,335 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	5,009 sqft (0.114 acres)
Lot Dimensions	10 ft deep x 5 ft wide
Garage Type	Finished
Garage Area	388 sqft
Porch	Porch
Porch Area	259 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1071847
Street Address	29 RUTH ST
City	MIRAMAR BEACH
State	FL
Zip	32550-4640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 BLK F FRANGISTA BCH 2ND ADD PB 3-41 OR 1754-243 OR 2619-2550 OR 2619-3984 OR 3099-564 OR 3126-337 OR 3241-4677 OR
Legal Range	21W
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BCH 2ND ADD S/D
Legal Block	F
Legal Lot Number	12
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1034
Census Tract	950609

Owner

Source: Walton County records, as of December 17, 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
Co-owner	Co-owner on Record
Mailing Address	2431 BERKELEY CT, LEBANON, OH 45036-7581
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2024	Warranty Deed, Transfer MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE
Mar 7, 2022	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Dec 3, 2019	Warranty Deed, Subdivision Related Transfer FIRST NATIONAL LAND TITLE COMPANY INC, FIRST NAT'L LAND TITLE CO INC
Mar 8, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2024 · Amount on Record
Deed Sale	Jan 17, 2024 · Amount on Record
Prior Sale	Mar 7, 2022 · Amount on Record
Deed Document Number	0003313397
Deed Book / Page	3313 / 397
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 17, 2024
Property Address	29 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0033130397
Book / Page	3313 / 397
Map Reference	MB 3 PG 41
Instrument Date	Jan 17, 2024
Instrument	20240001620
Transaction Type	Transfer
Record Updated	Feb 9, 2024
Title Company	MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE

Transaction

Amount	Amount Recorded
Tax	$8,575.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21031 VENTURA BLVD STE 550, 550, WOODLAND HILLS, CA 91364-2286

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2431 BERKELEY CT, LEBANON, OH 45036-7581

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 7, 2022
Property Address	29 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0032414677
Book / Page	3241 / 4677
Map Reference	MB 3 PG 41
Instrument Date	Feb 25, 2022
Instrument	20220010647
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	215 BRIARWOOD CIR, 215, ATHENS, AL 35613-2056

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21031 VENTURA BLVD STE 550, 550, WOODLAND HILLS, CA 91364-2286

Mortgage

Document Number	0032414683
Date	Mar 7, 2022
Instrument	3241/4683

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

December 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 3, 2019
Property Address	29 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0031260337
Book / Page	003126 / 000337
Instrument Date	Nov 29, 2019
Instrument	42203
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 19, 2019
Title Company	FIRST NATIONAL LAND TITLE COMPANY INC, FIRST NAT'L LAND TITLE CO INC

Transaction

Amount	Amount Recorded
Tax	$4,374.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	215 BRIARWOOD CIR ATHENS AL 356132056, ATHENS, AL 35613-2056

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Mar 8, 2019
Property Address	29 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0030990564
Book / Page	003099 / 000564
Instrument Date	Mar 7, 2019
Instrument	6977
Transaction Type	Transfer
Record Updated	Mar 25, 2019

Transaction

Amount	Amount Recorded
Tax	$350.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 5244 NICEVILLE FL 325785244, NICEVILLE, FL 32578-5244

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		$1,044,033 (-14.15%) Land $400,000 Building $644,033	$1,044,033 (-14.15%) Land $400,000 Building $644,033
2024	$11,039.00 (-0.1%)
2023	$11,050.00 (+51.29%)	$1,216,169 (+18.34%) Land $450,000 Building $766,169	$1,216,169 (+18.34%) Land $450,000 Building $766,169
2022	$7,304.00	$1,027,678 Land $283,050 Building $744,628	$1,027,678 Land $283,050 Building $744,628

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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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