304 Bay Tree Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 304 Bay Tree Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,553 sqft · built 1999
Lot Size	0.146 acres (6,403 sqft)
Owner	Owner Name on Record
Last Sale	$279,000 (Jul 2014)
Tax Bill	$2,008 (2024)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-2S-21-42406-000-0040`

Property Details

APN / Parcel Number

Primary APN	`28-2S-21-42406-000-0040`
Alternative APN	`1060587`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,553 sqft Living Area
Gross Area	2,465 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,403 sqft (0.146 acres)
Lot Dimensions	10 ft deep x 6.4 ft wide
Garage Type	Finished
Garage Area	500 sqft

Exterior Amenities

Porch	Porch
Porch Area	364 sqft
Patio Area	48 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1060587
Street Address	304 BAY TREE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-7865
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 TREETOPS AT BAYSIDE PHASE 11 PB 12-9 OR 2044-54 OR 2953-3855
Legal Range	21W
Legal Township	02S
Legal Section	28
Legal Subdivision	TREETOPS AT BAYSIDE
Legal Phase	11
Legal Lot Number	4
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2006
Census Tract	950609

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	Owner Name on Record
Mailing Address	304 BAY TREE DR, MIRAMAR BEACH, FL 32550-7865
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Last Sale	Jul 2, 2014 · Amount on Record
Deed Sale	Jul 2, 2014 · Amount on Record
Deed Document Number	2014661286858
Deed Book / Page	2953 / 3855
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	304 BAY TREE DR, MIRAMAR BEACH, FL 32550-7865
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 BAY TREE DR, MIRAMAR BEACH, FL 32550-7865

Mortgage

Document Number	0031624287
Date	Oct 5, 2020
Book Page	3162/4287
Instrument	20200039317

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	LOMBARD, IL 60148

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2050

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		$429,426 (-7.01%) Land $85,000 Building $344,426	$429,426 (-7.01%) Land $85,000 Building $344,426
2024	$2,008.00 (+4.2%)
2023	$1,927.00 (+1.53%) Homeowner's exemption	$461,805 (+9.53%) Land $53,735 Building $408,070	$461,805 (+9.53%) Land $53,735 Building $408,070
2022	$1,898.00 Homeowner's exemption	$421,641 Land $59,646 Building $361,995	$421,641 Land $59,646 Building $361,995

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 428 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	645 units insured incl. 217 condo units
Nearby Flood Claims	23 (1998–2024)
Claims Outside the SFHA	10 of 23
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 3 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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 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 337 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, LiveOak Fiber, Mediacom Xtream, Wildstar Networks.