2951 Pine Valley Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 2951 Pine Valley Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 4,534 sqft · built 2001
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,995,000 (Mar 2023)
Tax Bill	$17,734 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Sep 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-2S-21-42210-000-2951`

Property Details

APN / Parcel Number

Primary APN	`14-2S-21-42210-000-2951`
Alternative APNs	`14-221-42210-000-2951` `1020172`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	4,534 sqft Living Area
Gross Area	6,336 sqft
1st Floor Area	3,639 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	18,295 sqft (0.42 acres)
Lot Dimensions	167 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	889 sqft
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	892 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2951 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 2951 PINE VALLEY AT SANDESTIN S/D PB 12-14 OR 2003-208 OR 3004-3786 OR 3266-4792 OR 3285-439
Legal Range	021
Legal Township	02S
Legal Section	14
Legal Subdivision	SANDESTIN
Legal Block	29
Legal Lot Number	2951
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 August 14, 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	2951 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7837
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2023	Warranty Deed, Transfer · Conventional Mortgage LIBERTY FCU
Sep 16, 2022	Warranty Deed, Transfer MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage HAMILTON MORTGAGE CORP
Aug 9, 2019	Deed of Trust, Mortgage BANCORPSOUTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2023 · Amount on Record
Deed Sale	Mar 30, 2023 · Amount on Record
Prior Sale	Sep 16, 2022 · Amount on Record
Deed Document Number	202310932
Deed Book / Page	3285 / 439
Record Updated	Sep 20, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 30, 2023
Property Address	2951 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7837
Document Number	0032850439
Book / Page	3285 / 439
Map Reference	MB 12 PG 14&14A
Instrument Date	Mar 29, 2023
Instrument	20230010932
Transaction Type	Transfer
Record Updated	Apr 25, 2023
Title Company	CUSTOMERS FIRST TITLE COMPANY, CUSTOMERS FIRST TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20,965.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3002 BAY VILLAS DR, MIRAMAR BEACH, FL 32550-4569

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2951 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7837

Mortgage

Document Number	0003285441
Date	Mar 30, 2023
Instrument	3285/441

Lender

Name	LIBERTY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 16, 2022
Property Address	2951 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7837
Document Number	0032664792
Book / Page	3266 / 4792
Map Reference	MB 12 PG 14&14A
Instrument Date	Sep 15, 2022
Instrument	20220041704
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE

Transaction

Amount	Amount Recorded
Tax	$20,650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1107 DRIFTWOOD POINT RD, 1107, SANTA ROSA BEACH, FL 32459-8098

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9001 EARLY AUTUMN RD, MOUNT HOREB, WI 53572-1581

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2951 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7837
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2951 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7837

Mortgage

Document Number	0031992046
Date	May 25, 2021
Book Page	3199/2046
Instrument	20210026098

Lender

Name	HAMILTON MORTGAGE CORP
Type	Mortgage Company
Address	BIRMINGHAM, AL 35209

Agreement

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

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	2951 PINE VALLEY DR, MIRAMAR BEACH, FL 32550-7837
Document Number	0031144236
Instrument Date	Aug 9, 2019
Transaction Type	Mortgage
Record Updated	Aug 30, 2019
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2951 PINE VALLEY DR MIRAMAR BEACH FL 325507837, MIRAMAR BEACH, FL 32550-7837

Mortgage

Document Number	0031144236
Date	Aug 15, 2019
Book Page	003114/004236
Instrument	27811

Lender

Name	BANCORPSOUTH
Type	Bank
Address	HATTIESBURG, MS 39402

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Aug 14, 2024

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	$17,734.00 (+2.78%)	$1,962,717 (-10.64%) Land $500,000 Building $1,462,717	$1,962,717 (-10.64%) Land $500,000 Building $1,462,717
2024	$17,254.00 (-13.54%)
2023	$19,957.00 (+28.57%)	$2,196,417 (+9.03%) Land $281,827 Building $1,914,590	$2,196,417 (+9.03%) Land $281,827 Building $1,914,590
2022	$15,522.00	$2,014,521 Land $312,828 Building $1,701,693	$2,014,521 Land $312,828 Building $1,701,693

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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