2903 Pine Valley Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 2903 Pine Valley Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,962 sqft · built 2000
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,150,000 (Mar 2021)
Tax Bill	$10,757 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`14-2S-21-42210-000-2903`

Property Details

APN / Parcel Number

Primary APN	`14-2S-21-42210-000-2903`
Alternative APNs	`14-221-42210-000-2903` `1020124`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,962 sqft Living Area
Gross Area	4,169 sqft
1st Floor Area	2,962 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	160 ft deep x 109 ft wide
Garage Type	Attached
Garage Area	680 sqft
Porch	Finished/Open Porch
Porch Area	527 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2903 PINE VALLEY DR
City	MIRAMAR BEACH
State	FL
Zip	32550-7834
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 2903 PINE VALLEY AT SANDESTIN S/D PB 12-14 OR 2159-435 OR 2902-4461 OR 3189-992
Legal Range	021
Legal Township	02S
Legal Section	14
Legal Subdivision	SANDESTIN
Legal Block	29
Legal Lot Number	2903
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	3
Census Block	3000
Census Tract	950607

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	2 Individual Names on Record
Mailing Address	2903 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7834
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jan 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 23, 2021	Warranty Deed, Transfer · Conventional Mortgage PROGRESS BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2021 · Amount on Record
Deed Sale	Mar 23, 2021 · Amount on Record
Prior Sale	Feb 8, 2000 · Amount on Record
Deed Document Number	202113965
Deed Book / Page	3189 / 992
Prior Transfer Date	Sep 20, 2012
Prior Transfer Doc	0029024461
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2903 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7834
Transaction Type	Mortgage
Record Updated	Sep 1, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2903 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7834

Mortgage

Document Number	0032970548
Date	Jul 27, 2023
Book Page	3297/548
Instrument	20230026825

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 20, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2903 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7834
Transaction Type	Mortgage
Record Updated	Feb 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2903 PINE VALLEY DR, SANDESTIN, FL 32550-7834

Mortgage

Document Number	0032332971
Date	Jan 6, 2022
Book Page	3233/2971
Instrument	20220000724

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

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

Interest

Rate Type	Adjustable Rate
Type Change Date	Jan 1, 2032
Change Frequency	Annually
Max Rate At Change	2.75%
Index	1-Year LIBOR
Margin	3

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 23, 2021
Property Address	2903 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7834
Document Number	0031890992
Book / Page	3189 / 992
Map Reference	MB 12 PG 14&14A
Instrument Date	Mar 12, 2021
Instrument	20210013965
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3408 WILD PRAIRIE LN, 3408, GENEVA, IL 60134-3963

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2903 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7834

Mortgage

Document Number	0003189995
Date	Mar 23, 2021
Instrument	3189/995

Lender

Name	PROGRESS BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

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	$10,757.00 (+1.86%) Homeowner's exemption	$1,229,195 (-10.1%)	$1,331,596 (-2.61%) Land $500,000 Building $831,596
2024	$10,561.00 (-9.12%)
2023	$11,621.00 (+1.07%) Homeowner's exemption	$1,367,252 (+6.91%) Land $281,827 Building $1,085,425	$1,367,252 (+6.91%) Land $281,827 Building $1,085,425
2022	$11,498.00 Homeowner's exemption	$1,278,906 Land $312,828 Building $966,078	$1,278,906 Land $312,828 Building $966,078

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 530 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,379 units insured incl. 849 condo units
Nearby Flood Claims	14 (2001–2021)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 6 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 6 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	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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 217 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
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, Wildstar Networks.

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