2941 Pine Valley Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 2941 Pine Valley Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 3,963 sqft · built 2003
Lot Size	0.544 acres (23,740 sqft)
Owner	Individual Name on Record
Last Sale	$2,150,000 (Sep 2025)
Tax Bill	$13,996 (2024)
Deeds & Mortgages	Aug 2018 Mortgage Apr 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-2S-21-42210-000-2941`

Property Details

APN / Parcel Number

Primary APN	`14-2S-21-42210-000-2941`
Alternative APN	`1020162`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Stories	1 Story
Building Area	3,963 sqft Living Area
Gross Area	5,782 sqft
Interior Walls	Custom/Decorative
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete Tile
Lot Area	23,740 sqft (0.544 acres)
Lot Dimensions	19.8 ft deep x 12 ft wide
Garage Type	Finished
Garage Area	966 sqft
Porch	Porch
Porch Area	853 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1020162
Street Address	2941 PINE VALLEY DR
City	MIRAMAR BEACH
State	FL
Zip	32550-7836
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 2941 PINE VALLEY AT SANDESTIN S/D PB 12-14 OR 1755-61 OR 2103-238 OR 2108-74 OR 2635-1194 OR 2921-893 OR 3037-2529 OR
Legal Range	21W
Legal Township	02S
Legal Section	14
Legal Subdivision	PINE VALLEY AT SANDESTIN
Legal Lot Number	2941
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 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	1424 CUNNAVANT VALLEY ROAD, BIRMINGHAM, AL 35242
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2018	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
Apr 28, 2020	Warranty Deed, Transfer CUSTOMERS FIRST TITLE COMPANY, CUSTOMERS FIRST TITLE CO
Jul 2, 2018	Warranty Deed, Transfer · ARM REGIONS BANK
Apr 4, 2017	Warranty Deed, Transfer · ARM THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2025 · Amount on Record
Deed Sale	Sep 4, 2025 · Amount on Record
Prior Sale	Apr 28, 2020 · Amount on Record
Deed Document Number	20250031696
Deed Book / Page	3369 / 4147
Record Updated	Jun 8, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2941 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7836
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030820386
Date	Aug 13, 2018
Book Page	3082/0386
Instrument	2018000027111

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 10, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 28, 2020
Property Address	2941 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7836
Document Number	0031410493
Book / Page	003141 / 000493
Instrument Date	Apr 24, 2020
Instrument	14496
Transaction Type	Transfer
Record Updated	Jun 22, 2020
Title Company	CUSTOMERS FIRST TITLE COMPANY, CUSTOMERS FIRST TITLE CO

Transaction

Amount	Amount Recorded
Tax	$7,700.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3327 OAKLAND DR SUGAR LAND TX 774792481, SUGAR LAND, TX 77479-2481

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 2, 2018
Property Address	2941 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7836
Document Number	0030781569
Book / Page	3078 / 1569
Map Reference	MB12 PG14
Instrument Date	Jun 29, 2018
Instrument	2018000022059
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	PROVIDENT TITLE LLC

Transaction

Amount	Amount Recorded
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	213 LA VALENCIA CIR, 213, PANAMA CITY BEACH, FL 32413-3342

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	15509 HARBOR POINT LN, NORTH LITTLE ROCK, AR 72113-9515

Mortgage

Document Number	2018000022061
Date	Jul 2, 2018
Instrument	2018000022061

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Jul 1, 2021
Change Frequency	Annually
Min Rate At Change	2%
Index	Other
Margin	2
Max Rate	10.8%

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 4, 2017
Property Address	2941 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7836
Document Number	0030372529
Book / Page	3037 / 2529
Map Reference	MB12 PG14&14A
Instrument Date	Mar 31, 2017
Instrument	20170010379
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	BRADLEY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1409 SUNSET DR, 1409, ANDALUSIA, AL 36421-4247

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 LA VALENCIA CIR, PANAMA CITY BEACH, FL 32413-3343

Mortgage

Document Number	0030372530
Date	Apr 4, 2017
Instrument	3037/2530

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.8%
Type Change Date	Apr 1, 2032
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.8%
Index	1-Year LIBOR
Max Rate	8.8%

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		$1,784,810 (-5.32%) Land $600,000 Building $1,184,810	$1,784,810 (-5.32%) Land $600,000 Building $1,184,810
2024	$13,996.00 (-2.37%)
2023	$14,336.00 (+8.55%)	$1,885,015 (+11.65%) Land $338,193 Building $1,546,822	$1,885,015 (+11.65%) Land $338,193 Building $1,546,822
2022	$13,207.00	$1,688,372 Land $312,828 Building $1,375,544	$1,688,372 Land $312,828 Building $1,375,544

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 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 96% of the US · lower than 96% 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 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Cox Communications, Wildstar Networks.

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