Walton County property record for 290 Bay Tree Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,749 sqft · built 1999 |
| Lot Size | 0.162 acres (7,057 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $135,500 (Aug 2022) |
| Tax Bill | $2,335 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2S-21-42406-000-0020 |
| Primary APN | 28-2S-21-42406-000-0020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,749 sqft Living Area |
| Gross Area | 2,441 sqft |
| 1st Floor Area | 1,749 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,057 sqft (0.162 acres) |
| Lot Dimensions | 85 ft deep x 83 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Porch | Finished Screened Porch |
| Porch Area | 252 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 290 BAY TREE DR |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-7842 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RP |
| Legal Description | LOT 2 TREETOPS AT BAYSIDE PH II PB 12-9 OR 2040-347 OR 3120-3386 OR 3265-126 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | BAYSIDE PH II |
| Legal Phase | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 950609 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 290 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 8, 2021 | Deed of Trust, Mortgage · VA Mortgage NBH BANK NA |
| Mar 18, 2021 | Deed of Trust, Mortgage · FHA Mortgage INTERCONTINENTAL CAPITAL GROUP INC |
| Aug 30, 2022 | Quit Claim Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 10, 2019 | Warranty Deed, Transfer · FHA Mortgage INTERLINC MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 30, 2022 · Amount on Record |
| Deed Sale | Aug 30, 2022 · Amount on Record |
| Prior Sale | Oct 10, 2019 · Amount on Record |
| Deed Document Number | 202239301 |
| Deed Book / Page | 3265 / 126 |
| Prior Transfer Date | Aug 23, 2022 |
| Prior Transfer Doc | 0032650126 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 290 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Title Company | AQUA TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 4334 POPLAR BROOK DR, COLORADO SPRINGS, CO 80922-2449 |
| Document Number | 0032013309 |
|---|---|
| Date | Jun 8, 2021 |
| Book Page | 3201/3309 |
| Instrument | 20210028790 |
| Name | NBH BANK NA |
|---|---|
| Type | Bank |
| Address | COLORADO SPRINGS, CO 80918 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 290 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Title Company | NATIONWIDE TITLE CLEARING INC, NATIONWIDE TTL CLEARING INC |
| Name | Verified Name |
|---|---|
| Address | 116 WINDRIFT DR, DESTIN, FL 32550-4121 |
| Document Number | 0031881658 |
|---|---|
| Date | Mar 18, 2021 |
| Book Page | 3188/1658 |
| Instrument | 20210012992 |
| Name | INTERCONTINENTAL CAPITAL GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jan 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Aug 30, 2022 |
| Property Address | 290 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842 |
| Document Number | 0032650126 |
| Book / Page | 3265 / 126 |
| Map Reference | MB 12 PG 9&9A |
| Instrument Date | Aug 23, 2022 |
| Instrument | 20220039301 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | C AND C TITLE COMPANY, C & C TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $948.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 290 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842 |
| Name | Verified Name |
|---|---|
| Address | 290 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842 |
| Document Number | 0003265129 |
|---|---|
| Date | Aug 30, 2022 |
| Instrument | 3265/129 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Oct 10, 2019 |
| Property Address | 290 BAY TREE DR, MIRAMAR BEACH, FL 32550-7842 |
| Document Number | 0031203386 |
| Book / Page | 3120 / 3386 |
| Map Reference | MB 12 PG 9&9A |
| Instrument Date | Oct 4, 2019 |
| Instrument | 20190035262 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | MCGILL ESCROW & TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,226.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 969 GRAND CANAL ST, 969, GULF BREEZE, FL 32563-3054 |
| Name | Verified Name |
|---|---|
| Address | 597 LOBLOLLY BAY DR, SANTA ROSA BEACH, FL 32459-8023 |
| Document Number | 0031203387 |
|---|---|
| Date | Oct 10, 2019 |
| Instrument | 3120/3387 |
| Name | INTERLINC MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
Source: Walton County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,335.00 (+2.41%) | $316,577 (-30.66%) | $424,364 (-7.05%) Land $85,000 Building $339,364 |
| 2024 | $2,280.00 (-45.03%) | ||
| 2023 | $4,148.00 (+73.99%) Homeowner's exemption | $456,567 (+9.42%) Land $53,735 Building $402,832 | $456,567 (+9.42%) Land $53,735 Building $402,832 |
| 2022 | $2,384.00 Homeowner's exemption | $417,272 Land $59,646 Building $357,626 | $417,272 Land $59,646 Building $357,626 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 428 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 645 units insured incl. 217 condo units |
| Nearby Flood Claims | 23 (1998–2024) |
| Claims Outside the SFHA | 10 of 23 |
| Most Recent Claim | Sep 2024 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 337 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Fiber · Cable in parts of the area | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: CenturyLink, LiveOak Fiber, Mediacom Xtream, Wildstar Networks.
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