2915 Pine Valley Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 2915 Pine Valley Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,527 sqft · built 2001
Lot Size	0.377 acres (16,422 sqft)
Owner	2 Individual Names on Record
Last Sale	$920,000 (Oct 2019)
Tax Bill	$9,133 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2023 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`14-2S-21-42210-000-2915`

Property Details

APN / Parcel Number

Primary APN	`14-2S-21-42210-000-2915`
Alternative APNs	`14-221-42210-000-2915` `1020136`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,527 sqft Living Area
Gross Area	4,712 sqft
1st Floor Area	2,153 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	16,422 sqft (0.377 acres)
Lot Dimensions	173 ft deep x 95 ft wide
Garage Type	Attached
Garage Area	526 sqft
Porch	Finished Screened Porch
Porch Area	519 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2915 PINE VALLEY DR
City	MIRAMAR BEACH
State	FL
Zip	32550-7823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 2915 PINE VALLEY AT SANDESTIN S/D PB 12-14 OR 1683-342 OR 2102-342 OR 2615-3618 OR 2984-1590 OR 3119-4415
Legal Range	021
Legal Township	02S
Legal Section	14
Legal Subdivision	SANDESTIN
Legal Block	29
Legal Lot Number	2915
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 April 28, 2026

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	2915 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed of Trust, Mortgage · Line of Credit P N C BANK NA
Apr 10, 2023	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Mar 30, 2021	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Dec 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage INTERLINC MORTGAGE SERVICES LLC
Oct 2, 2019	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2019 · Amount on Record
Deed Sale	Oct 2, 2019 · Amount on Record
Prior Sale	Jul 9, 2015 · Amount on Record
Deed Document Number	201934342
Deed Book / Page	3119 / 4415
Prior Transfer Date	May 27, 2004
Prior Transfer Doc	0000825748
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Recording Date	Apr 13, 2026
Property Address	2915 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7823
Document Number	0000014208
Book / Page	3394 / 932
Instrument Date	Apr 2, 2026
Instrument	202614208
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2915 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7823
Investor	Possibly a Property Investor

Mortgage

Document Number	0000014208,
Date	Apr 13, 2026
Book Page	3394/932
Instrument	202614208

Lender

Name	P N C BANK NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Apr 21, 2066

Interest

Rate	6%
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2915 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7823
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2915 PINE VALLEY DR, DESTIN, FL 32550-7823
Investor	Possibly a Property Investor

Mortgage

Document Number	0032860360
Date	Apr 10, 2023
Book Page	3286/360
Instrument	20230012193

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2915 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7823
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2915 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7823

Mortgage

Document Number	0031901938
Date	Mar 30, 2021
Book Page	3190/1938
Instrument	20210015316

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2915 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7823
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2915 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7823

Mortgage

Document Number	0031740678
Date	Dec 18, 2020
Book Page	3174/678
Instrument	20200052235

Lender

Name	INTERLINC MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	HOUSTON, TX 77086

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2046

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 2, 2019
Property Address	2915 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7823
Document Number	0031194415
Book / Page	3119 / 4415
Map Reference	MB 12 PG 14&14A
Instrument Date	Sep 30, 2019
Instrument	20190034342
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2845 BERKELEY DR, 2845, HOOVER, AL 35242-4101

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2915 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7823

Mortgage

Document Number	0031194417
Date	Oct 2, 2019
Instrument	3119/4417

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

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	$9,133.00 (+1.86%) Homeowner's exemption	$1,049,441 (-31.75%)	$1,465,139 (-4.72%) Land $500,000 Building $965,139
2024	$8,966.00 (+3.67%)
2023	$8,649.00 (+1.1%) Homeowner's exemption	$1,537,668 (+7.4%) Land $281,827 Building $1,255,841	$1,537,668 (+7.4%) Land $281,827 Building $1,255,841
2022	$8,555.00 Homeowner's exemption	$1,431,735 Land $312,828 Building $1,118,907	$1,431,735 Land $312,828 Building $1,118,907

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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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