319 Ellis Rd, Miramar Beach, FL 32550 Property Records

Walton County property record for 319 Ellis Rd, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	8 bd · 9 ba · 5,184 sqft · built 2023
Lot Size	0.157 acres (6,839 sqft)
Owner	Company Name on File
Tax Bill	$17,422 (2024)
Deeds & Mortgages	Jun 2022 Construction Loan Jun 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42975-000-0010`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42975-000-0010`

Interior

Bedrooms	8 Beds
Full Baths	9 Baths
Stories	3 Stories
Building Area	5,184 sqft Living Area
Gross Area	5,812 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2023
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,839 sqft (0.157 acres)
Lot Dimensions	14 ft deep x 4.9 ft wide
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	319 ELLIS RD
City	MIRAMAR BEACH
State	FL
Zip	32550-6853
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 SHADES OF BLUE PB 23-69 OR 3293-2105 OR 3318-2633
Legal Lot Number	1
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2018
Census Tract	950608

Owner

319 Ellis Rd is owned by a company that acquired it in March 2024.

Source: Walton County records, as of December 17, 2025

Owner of Record	Company Name on File
Mailing Address	14 LAKE FOREST CT W, SAINT CHARLES, MO 63301-4540
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2022	Deed of Trust, Mortgage · Construction Mortgage FNBT BANK
Jun 22, 2023	Warranty Deed, Transfer · Line of Credit UNITED STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2024
Deed Sale	Mar 15, 2024
Prior Sale	Jun 22, 2023 · Amount on File
Deed Document Number	20240009132
Deed Book / Page	3318 / 2633
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	319 ELLIS RD, MIRAMAR BEACH, FL 32550-6853
Transaction Type	Mortgage
Record Updated	Feb 20, 2024
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 HIDEAWAY BAY DR, MIRAMAR BEACH, FL 32550-6009
Investor	Possibly a Property Investor

Mortgage

Document Number	0032582316
Date	Jun 30, 2022
Book Page	3258/2316
Instrument	20220030701

Lender

Name	FNBT BANK
Type	Bank
Address	FORT WALTON BEACH, FL 32548

Agreement

Type	Construction Mortgage
Amount	Amount on Record

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 22, 2023
Property Address	319 ELLIS RD, MIRAMAR BEACH, FL 32550-6853
Document Number	0032932105
Book / Page	3293 / 2105
Map Reference	MB 23 PG 69
Instrument Date	Jun 22, 2023
Instrument	20230022197
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$17,269.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 HIDEAWAY BAY DR, MIRAMAR BEACH, FL 32550-6009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 LAKE FOREST CT W, SAINT CHARLES, MO 63301-4540

Mortgage

Document Number	0032932107
Date	Jun 22, 2023
Book Page	3293/2107
Instrument	20230022198

Lender

Name	UNITED STATE BANK
Type	Bank
Address	LEWISTOWN, MO 63452

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2043

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		$1,764,742 Land $500,000 Building $1,264,742	$1,764,742 Land $500,000 Building $1,264,742
2024	$17,422.00 (+651.92%)
2023	$2,317.00 (-11.67%)	$255,000 (-9.91%) Land $255,000	$255,000 (-9.91%) Land $255,000
2022	$2,623.00	$283,050 Land $283,050	$283,050 Land $283,050

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 319 Ellis Rd 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

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

Wildfire risk around 319 Ellis Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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 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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