2949 Pine Valley Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 2949 Pine Valley Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,612 sqft · built 2003
Lot Size	0.412 acres (17,947 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,649,000 (May 2021)
Tax Bill	$18,461 (2025)
Deeds & Mortgages	Jan 2021 Line of Credit May 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-2S-21-42210-000-2949`

Property Details

APN / Parcel Number

Primary APN	`14-2S-21-42210-000-2949`
Alternative APNs	`14-221-42210-000-2949` `1020170`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,612 sqft Living Area
Gross Area	6,043 sqft
1st Floor Area	3,606 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	17,947 sqft (0.412 acres)
Lot Dimensions	171 ft deep x 105 ft wide
Garage Type	Attached
Garage Area	616 sqft
Driveway	Brick Driveway

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	775 sqft
Deck Area	Deck Area
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2949 PINE VALLEY DR
City	MIRAMAR BEACH
State	FL
Zip	32550-7837
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 2949 PINE VALLEY AT SANDESTIN S/D PB 12-14 OR 1469-209 OR 2378-620 OR 2768-4839 OR 2864-1361 OR 3076-3842 OR 3197-4107
Legal Range	021
Legal Township	02S
Legal Section	14
Legal Subdivision	SANDESTIN
Legal Block	29
Legal Lot Number	2949
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	2949 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7837
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2021	Deed of Trust, Mortgage · Line of Credit F & M BANK
May 14, 2021	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Jan 26, 2021	Deed of Trust, Mortgage · Line of Credit F & M BANK
Dec 31, 2018	Deed of Trust, Mortgage · Line of Credit F & M BANK
Jun 15, 2018	Warranty Deed, Transfer DOTSON GUINN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2021 · Amount on Record
Deed Sale	May 14, 2021 · Amount on Record
Prior Sale	Jun 15, 2018 · Amount on Record
Deed Document Number	202124148
Deed Book / Page	3197 / 4107
Prior Transfer Date	Jun 14, 2018
Prior Transfer Doc	0030763842
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2949 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7837
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1165 DUNBAR CAVE RD, CLARKSVILLE, TN 37043-2045

Mortgage

Document Number	0031800960
Date	Jan 26, 2021
Book Page	3180/960
Instrument	20210003690

Lender

Name	F & M BANK
Type	Bank
Address	CLARKSVILLE, TN 37043

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 15, 2031

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 14, 2021
Property Address	2949 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7837
Document Number	0031974107
Book / Page	3197 / 4107
Map Reference	MB 12 PG 14&14A
Instrument Date	May 13, 2021
Instrument	20210024148
Transaction Type	Transfer
Record Updated	May 26, 2021
Title Company	AQUA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,543.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1165 DUNBAR CAVE RD, 1165, CLARKSVILLE, TN 37043-2045

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3174 WETHERBY DR, MEMPHIS, TN 38139-8071

Mortgage

Document Number	31974109
Date	May 14, 2021
Instrument	3197/4109

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2949 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7837
Transaction Type	Mortgage
Record Updated	Mar 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1165 DUNBAR CAVE RD, CLARKSVILLE, TN 37043-2045

Mortgage

Document Number	0031800960
Date	Jan 26, 2021
Book Page	3180/960
Instrument	20210003690

Lender

Name	F & M BANK
Type	Bank
Address	CLARKSVILLE, TN 37043

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 15, 2031

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2949 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7837
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030933325
Date	Dec 31, 2018
Book Page	3093/3325
Instrument	20180042821

Lender

Name	F & M BANK
Type	Bank
Address	CLARKSVILLE, TN 37043

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 15, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 15, 2018
Property Address	2949 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7837
Document Number	0030763842
Book / Page	003076 / 003842
Instrument Date	Jun 4, 2018
Instrument	19962
Transaction Type	Transfer
Record Updated	Jul 2, 2018
Title Company	EMERALD COAST TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$7,000.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1165 DUNBAR CAVE RD CLARKSVILLE TN 370432045, CLARKSVILLE, TN 37043-2045

Mortgage

Document Number	30763844
Date	Jun 15, 2018
Book Page	003076/003844
Instrument	19963

Lender

Name	DOTSON GUINN
Address	1830 ASHLAND CITY RD, CLARKSVILLE, TN 37043-4820
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jun 14, 2028

Interest

Rate	16%

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	$18,461.00 (+2.24%)	$2,043,157 (-11.19%) Land $500,000 Building $1,543,157	$2,043,157 (-11.19%) Land $500,000 Building $1,543,157
2024	$18,057.00 (-13.62%)
2023	$20,905.00 (+7.08%)	$2,300,698 (+9.21%) Land $281,827 Building $2,018,871	$2,300,698 (+9.21%) Land $281,827 Building $2,018,871
2022	$19,523.00	$2,106,639 Land $312,828 Building $1,793,811	$2,106,639 Land $312,828 Building $1,793,811

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 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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