32 Shore Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 32 Shore Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,608 sqft · built 1992
Lot Size	0.258 acres (11,238 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,566 (2025)
Deeds & Mortgages	Aug 2026 Sale May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-2S-21-42320-00L-0060`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42320-00L-0060`
Alternative APNs	`29-221-42320-00L-0060` `1063365`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,608 sqft Living Area
Gross Area	2,119 sqft
1st Floor Area	1,608 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	125 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	483 sqft
Porch	Finished/Open Porch
Porch Area	28 sqft
Arbor/Pergola	Arbor/Pergola

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	32 SHORE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-3963
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 6 BLK L HOLIDAY SHORES ESTATES 3RD ADDITION PB 4-26 OR 883-272 OR 1313-290 OR 2803-1022 OR 2943-1767 OR 3025-430 OR 3111-1630 OR 3197-2724
Legal Range	021
Legal Township	02S
Legal Section	29
Legal Subdivision	HOLIDAY SHORES ESTATES 3
Legal Block	L
Legal Lot Number	6
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1001
Census Tract	950608

Owner

Source: Walton County records, as of September 23, 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	32 SHORE DR, MIRAMAR BEACH, FL 32550-3963
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
May 12, 2021	Intrafamily Transfer, Transfer · VA Mortgage LOANUNITED.COM LLC
Jun 24, 2019	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Jul 11, 2019	Quit Claim Deed, Transfer WFG LENDER SERVICES, WFG LENDER SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2021
Deed Sale	May 12, 2021
Prior Sale	Nov 2, 2016 · Amount on Record
Deed Document Number	202123766
Deed Book / Page	3197 / 2724
Last Transfer Date	Aug 17, 2026
Transfer Doc	0000035966
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Aug 31, 2026
Property Address	32 SHORE DR, MIRAMAR BEACH, FL 32550-3963
Document Number	0000035966
Book / Page	3411 / 788
Instrument Date	Aug 17, 2026
Instrument	202635966
Transaction Type	Transfer
Record Updated	Sep 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 SHORE DR, MIRAMAR BEACH, FL 32550-3963
Investor	Possibly a Property Investor

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	May 12, 2021
Property Address	32 SHORE DR, MIRAMAR BEACH, FL 32550-3963
Document Number	0031972724
Book / Page	3197 / 2724
Map Reference	MB 4 PG 26-A
Instrument Date	Nov 18, 2020
Instrument	20210023766
Transaction Type	Transfer
Record Updated	May 26, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 SHORE DR, MIRAMAR BEACH, FL 32550-3963
Investor	Possibly a Property Investor

Mortgage

Document Number	31972726
Date	May 12, 2021
Instrument	3197/2726

Lender

Name	LOANUNITED.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Dec 1, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	32 SHORE DR, MIRAMAR BEACH, FL 32550-3963
Document Number	0031100884
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 19, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 SHORE DR MIRAMAR BEACH FL 325503963, MIRAMAR BEACH, FL 32550-3963

Mortgage

Document Number	0031100884
Date	Jul 1, 2019
Book Page	003110/000884
Instrument	21734

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2049

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Jul 11, 2019
Property Address	32 SHORE DR, MIRAMAR BEACH, FL 32550-3963
Document Number	0031111630
Book / Page	003111 / 001630
Instrument Date	Jun 21, 2019
Instrument	23145
Transaction Type	Transfer
Record Updated	Jul 29, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 SHORE DR MIRAMAR BEACH FL 325503963, MIRAMAR BEACH, FL 32550-3963

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	$2,566.00 (-16.25%)	$284,061 (-21.59%) Land $85,000 Building $199,061	$284,061 (-21.59%) Land $85,000 Building $199,061
2024	$3,064.00 (+4.75%)
2023	$2,925.00 (+3.36%)	$362,254 (+1.91%) Land $85,000 Building $277,254	$362,254 (+1.91%) Land $85,000 Building $277,254
2022	$2,830.00	$355,452 Land $76,688 Building $278,764	$355,452 Land $76,688 Building $278,764

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50

May also be available: T-Mobile.

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