32 Heron Pointe Ct, Miramar Beach, FL 32550 Property Records

Walton County property record for 32 Heron Pointe Ct, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,837 sqft · built 1994
Lot Size	0.181 acres (7,884 sqft)
Owner	Individual Name on File
Last Sale	$519,000 (Jul 2026)
Tax Bill	$1,988 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`28-2S-21-42400-00A-0380`

Property Details

APN / Parcel Number

Primary APN	`28-2S-21-42400-00A-0380`
Alternative APNs	`28-221-42400-00A-0380` `1060382`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,837 sqft Living Area
Gross Area	2,502 sqft
1st Floor Area	1,837 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,884 sqft (0.181 acres)
Lot Dimensions	88 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	418 sqft
Porch	Finished/Open Porch
Porch Area	247 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	32 HERON POINTE CT
City	MIRAMAR BEACH
State	FL
Zip	32550-4599
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 38 BLK A PHASE 1 OF BAYSIDE S/D PB 9-22 OR 1142-154 OR 1860-15 OR 2352-1420 OR 2868-287 OR 3000-1352
Legal Range	021
Legal Township	02S
Legal Section	28
Legal Subdivision	BAYSIDE
Legal Phase	1
Legal Block	A
Legal Lot Number	38
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1017
Census Tract	950608

Owner

32 Heron Pointe Ct is owned and occupied by an individual who bought it in July 2026.

Source: Walton County records, as of July 21, 2026

Owner of Record	Individual Name on File
Mailing Address	1030 SCENIC GULF DR, 8C, MIRAMAR BEACH, FL 32550-4343
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2026 · Amount on File
Deed Sale	Jul 2, 2026 · Amount on File
Prior Sale	Jan 25, 2016 · Amount on File
Deed Document Number	202627255
Deed Book / Page	3404 / 1571
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 2, 2026
Property Address	32 HERON POINTE CT, MIRAMAR BEACH, FL 32550-4599
Document Number	0000027255
Book / Page	3404 / 1571
Instrument Date	Jun 30, 2026
Instrument	202627255
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	MCNEESE TITLE LLC, MCNEESE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$366,933.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1030 SCENIC GULF DR, 8C, MIRAMAR BEACH, FL 32550-4343

Mortgage

Document Number	0000027256,
Date	Jul 2, 2026
Instrument	202627256

Lender

Name	TRUSTMARK NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 32 Heron Pointe Ct was $1,988 with a homeowner's exemption, up 2.2% from the year before.

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	$1,988.00 (+2.16%) Homeowner's exemption	$258,665	$357,074 Land $85,000 Building $272,074
2024	$1,946.00 (+4.12%)
2023	$1,869.00 (+1.47%) Homeowner's exemption	$414,900 (+9%) Land $53,735 Building $361,165	$414,900 (+9%) Land $53,735 Building $361,165
2022	$1,842.00 Homeowner's exemption	$380,645 Land $59,646 Building $320,999	$380,645 Land $59,646 Building $320,999

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 32 Heron Pointe Ct in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 148 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	12 (2004–2024)
Claims Outside the SFHA	5 of 12
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Sally, Sep 2020 · 5 claims Hurricane Michael, Oct 2018 · 2 claims Hurricane Frances, Sep 2004 · 2 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

Wildfire risk around 32 Heron Pointe Ct 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 99.8% of the US · lower than 99.7% 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 303 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

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