Walton County property record for 31 Payne St, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 9 bd · 9.5 ba · 4,704 sqft · built 2023 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $623,963 (Mar 2022) |
| Tax Bill | $8,413 (2025) |
| Deeds & Mortgages | Mar 2022 Sale Sep 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42290-000-0580 |
| Primary APN | 30-2S-21-42290-000-0580 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 9 Beds |
|---|---|
| Full Baths | 9.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 3 Stories |
| Building Area | 4,704 sqft Living Area |
| Gross Area | 5,181 sqft |
| 1st Floor Area | 1,656 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Mobile Home |
| Exterior Material | Metal |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 120 ft deep x 72 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Finished/Open Porch |
| Porch Area | 656 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 31 PAYNE ST |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-5295 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NI |
| Legal Description | W PORTION OF GOV LOT 58 DESC AS:BEG SW/C LOT 58 GOV S/D SEC 30-2S-21W, N 01 DEG 0226E 119.93FT,S 88 DEG 4500E 72.33FT,S 01 DEG 1215W 119.92FT,N 88 DEG 4714W 71.99FT TO POB. OR 238-625 OR 2866-1601 OR 3244-3412 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | S/D OF SE4 |
| Legal Block | 5 |
| Legal Lot Number | 58 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 950608 |
31 Payne St is owned by two individuals who bought it in March 2022.
Source: Walton County records, as of December 3, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 46 HIDEAWAY BAY DR, MIRAMAR BEACH, FL 32550-6009 |
| 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.
| Date | Document |
|---|---|
| Mar 24, 2022 | Warranty Deed, Transfer SETCO SERVICES LLC |
| Sep 26, 2017 | Loan Modification, Mortgage · Conventional Mortgage HANCOCK BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 24, 2022 · Amount on File |
| Deed Sale | Mar 24, 2022 · Amount on File |
| Prior Sale | Jun 4, 2014 · Amount on File |
| Deed Document Number | 202213913 |
| Deed Book / Page | 3244 / 3412 |
| Prior Transfer Date | May 17, 2011 |
| Prior Transfer Doc | 0028661601 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 24, 2022 |
| Property Address | 31 PAYNE ST, MIRAMAR BEACH, FL 32550-5295 |
| Document Number | 0032443412 |
| Book / Page | 3244 / 3412 |
| Instrument Date | Mar 21, 2022 |
| Instrument | 20220013913 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $4,368.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 355 DRIFTWOOD RD, MIRAMAR BEACH, FL 32550-3811 |
| Name | Verified Name |
|---|---|
| Address | 46 HIDEAWAY BAY DR, MIRAMAR BEACH, FL 32550-6009 |
| Investor | Possibly a Property Investor |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 31 PAYNE ST, MIRAMAR BEACH, FL 32550-5295 |
| Document Number | 0030624606 |
| Instrument Date | Sep 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Name | Verified Name |
|---|---|
| Address | 49 PAYNE ST MIRAMAR BEACH FL 325505295, MIRAMAR BEACH, FL 32550-5295 |
| Document Number | 0030624606 |
|---|---|
| Date | Jan 11, 2018 |
| Book Page | 003062/004606 |
| Instrument | 1245 |
| Name | HANCOCK BK |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32541 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 10, 2028 |
The 2025 property tax bill for 31 Payne St was $8,413, down 9.2% from the year before.
Source: Walton County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,413.00 (-9.24%) | $931,130 Land $139,392 Building $791,738 | $931,130 Land $139,392 Building $791,738 |
| 2024 | $9,269.00 (+632.15%) | ||
| 2023 | $1,266.00 | $139,392 Land $139,392 | $139,392 Land $139,392 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 31 Payne St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2014.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 203 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 706 units insured incl. 503 condo units |
| Nearby Flood Claims | 3 (2014–2020) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
Source: USFWS Coastal Barrier Resources System, as of December 19, 2024
| Coastal Barrier Resources System | Yes |
|---|---|
| Unit | P32 “Moreno Point” |
| Unit Type | System Unit |
| Designated | Oct 18, 1982 |
| NFIP Eligibility | Not eligible (built 2023) built after the Oct 1, 1983 cutoff · private flood insurance only |
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.
The area around 31 Payne St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 437 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: CenturyLink, Wildstar Networks.
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