2921 Sand Pine Rd, Miramar Beach, FL 32550 Property Records

Walton County property record for 2921 Sand Pine Rd, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,806 sqft · built 1997
Lot Size	0.395 acres (17,202 sqft)
Owner	2 Individual Names on File
Last Sale	$2,200,000 (Jul 2023)
Tax Bill	$8,260 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage May 2021 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`14-2S-21-42210-000-2921`

Property Details

APN / Parcel Number

Primary APN	`14-2S-21-42210-000-2921`
Alternative APNs	`14-221-42210-000-2921` `1020142`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,806 sqft Living Area
Gross Area	4,594 sqft
1st Floor Area	2,806 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	17,202 sqft (0.395 acres)
Lot Dimensions	185 ft deep x 93 ft wide
Garage Type	Attached
Garage Area	784 sqft
Porch	Finished Screened Porch
Porch Area	1,004 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2921 SAND PINE RD
City	MIRAMAR BEACH
State	FL
Zip	32550-7835
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 2921 PINE VALLEY AT SANDESTIN S/D PB 12-14 OR 1564-124 OR 1909-334 OR 2897-4394 OR 2984-4295 OR 3055-2009 OR 3197-4434 OR 3295-1942
Legal Range	021
Legal Township	02S
Legal Section	14
Legal Subdivision	SANDESTIN
Legal Block	29
Legal Lot Number	2921
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	3
Census Block	3000
Census Tract	950607

Owner

2921 Sand Pine Rd is owned by two individuals who bought it in July 2023.

Source: Walton County records, as of December 3, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1518 ISLAND GREEN DR, MIRAMAR BEACH, FL 32550-5878
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2023	Warranty Deed, Transfer · Conventional Mortgage NP INC
May 14, 2021	Warranty Deed, Transfer COASTAL LAND TITLE, COASTAL LAND TITLE LLC
Oct 19, 2017	Warranty Deed, Transfer · ARM FBT MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2023 · Amount on File
Deed Sale	Jul 11, 2023 · Amount on File
Prior Sale	May 14, 2021 · Amount on File
Deed Document Number	202324469
Deed Book / Page	3295 / 1942
Prior Transfer Date	Jun 27, 2015
Prior Transfer Doc	0029844295
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 11, 2023
Property Address	2921 SAND PINE RD, MIRAMAR BEACH, FL 32550-7835
Document Number	0032951942
Book / Page	3295 / 1942
Map Reference	MB 12 PG 14&14A
Instrument Date	Jul 10, 2023
Instrument	20230024469
Transaction Type	Transfer
Record Updated	Aug 4, 2023
Title Company	BURKE LAW AND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 HIGHWAY 61 S, NATCHEZ, MS 39120-5261

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1518 ISLAND GREEN DR, MIRAMAR BEACH, FL 32550-5878

Mortgage

Document Number	0032951944
Date	Jul 11, 2023
Instrument	3295/1944

Lender

Name	NP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 14, 2021
Property Address	2921 SAND PINE RD, MIRAMAR BEACH, FL 32550-7835
Document Number	0031974434
Book / Page	3197 / 4434
Map Reference	MB 12 PG 14&14A
Instrument Date	May 13, 2021
Instrument	20210024242
Transaction Type	Transfer
Record Updated	May 26, 2021
Title Company	COASTAL LAND TITLE, COASTAL LAND TITLE LLC

Transaction

Amount	Amount on Record
Tax	$9,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2101 S AIR DEPOT BLVD, 2101, MIDWEST CITY, OK 73110-5501

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 HIGHWAY 61 S, NATCHEZ, MS 39120-5261

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 19, 2017
Property Address	2921 SAND PINE RD, MIRAMAR BEACH, FL 32550-7835
Document Number	0030552009
Book / Page	3055 / 2009
Map Reference	MB12 PG14&14A
Instrument Date	Oct 18, 2017
Instrument	2017000034720
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 LEGACY PT, 20, OXFORD, GA 30054-4068

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 DOGWOOD LAKE DR, TEXARKANA, TX 75503-1720

Mortgage

Document Number	2017000034721
Date	Oct 19, 2017
Instrument	2017000034721

Lender

Name	FBT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Nov 1, 2022
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	2%
Index	1-Year LIBOR
Margin	2
Max Rate	10.6%

Tax Assessment & Valuation

The 2025 property tax bill for 2921 Sand Pine Rd was $8,260, up 1.9% from the year before.

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	$8,260.00 (+1.87%)	$952,816	$1,311,112 Land $500,000 Building $811,112
2024	$8,108.00 (-33.44%)
2023	$12,182.00 (+4.66%)	$1,340,786 (+6.75%) Land $281,827 Building $1,058,959	$1,340,786 (+6.75%) Land $281,827 Building $1,058,959
2022	$11,640.00	$1,256,057 Land $312,828 Building $943,229	$1,256,057 Land $312,828 Building $943,229

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2921 Sand Pine Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 2921 Sand Pine Rd is low, with a 0.05% annual chance of wildfire.

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	0.05% annual chance
Exposure	Direct burnable vegetation

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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