Walton County property record for 320 Latrium Cir, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,603 sqft · built 1982 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $530,000 (Sep 2021) |
| Tax Bill | $4,934 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Nov 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-2S-21-42140-000-3200 |
| Primary APN | 27-2S-21-42140-000-3200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,603 sqft Living Area |
| Gross Area | 2,387 sqft |
| 1st Floor Area | 1,603 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Wood Frame (Stucco or Asbestos) |
| Construction Type | Frame |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Dimensions | 107 ft deep x 48 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 60 sqft |
| Patio Area | 304 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 320 LATRIUM CIR |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-4532 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SD |
| Legal Description | LOT 320 L'ATRIUM PB 5-52 & 1/47 INT IN COMMON ELEMENT OR 1617-45 &-47 OR 2058-248 OR 2419-162 OR 2678-783 OR 2850-2309 OR 2893-2825 OR 2893-2825 OR 3215-398 OR 3308-2605 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 27 |
| Legal Subdivision | ATRIUM |
| Legal Block | 32 |
| Legal Lot Number | 320 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 950609 |
Source: Walton County records, as of October 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 723 BEDFORD AVE, CLOVIS, CA 93611-7021 |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Sep 25, 2026 | Deed of Trust, Mortgage · Balloon Mortgage NONE LISTED ON DOCUMENT |
| Nov 21, 2023 | Intrafamily Transfer, Transfer |
| Sep 8, 2021 | Warranty Deed, Transfer · Conventional Mortgage PROGRESS BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 8, 2021 · Amount on Record |
| Deed Sale | Sep 8, 2021 · Amount on Record |
| Prior Sale | Jul 1, 2005 · Amount on Record |
| Deed Document Number | 202144749 |
| Deed Book / Page | 3215 / 398 |
| Last Transfer Date | Jun 1, 2023 |
| Transfer Doc | 0033082605 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Sep 25, 2026 |
| Property Address | 320 LATRIUM CIR, MIRAMAR BEACH, FL 32550-4532 |
| Document Number | 0000039701 |
| Book / Page | 3414 / 794 |
| Instrument Date | Sep 18, 2026 |
| Instrument | 202639701 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3219 BAY ESTATES CIR, MIRAMAR BEACH, FL 32550-5882 |
| Document Number | 0000039701, |
|---|---|
| Date | Sep 25, 2026 |
| Book Page | 3414/794 |
| Instrument | 202639701 |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate Type | Balloon |
|---|---|
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Nov 21, 2023 |
| Property Address | 320 LATRIUM CIR, MIRAMAR BEACH, FL 32550-4532 |
| Document Number | 0033082605 |
| Book / Page | 3308 / 2605 |
| Map Reference | MB 5 PG 52 |
| Instrument Date | May 18, 2023 |
| Instrument | 20230042066 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 723 BEDFORD AVE, CLOVIS, CA 93611-7021 |
| Name | Verified Name |
|---|---|
| Address | 723 BEDFORD AVE, CLOVIS, CA 93611-7021 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Sep 8, 2021 |
| Property Address | 320 LATRIUM CIR, MIRAMAR BEACH, FL 32550-4532 |
| Document Number | 0032150398 |
| Book / Page | 3215 / 398 |
| Map Reference | MB 5 PG 52 |
| Instrument Date | Sep 3, 2021 |
| Instrument | 20210044749 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,710.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9635 PEARSON RD, 9635, HARRISON, TN 37341-7981 |
| Name | Verified Name |
|---|---|
| Address | 723 BEDORD, CLOVIS, CA 93611-7021 |
| Document Number | 3215400 |
|---|---|
| Date | Sep 8, 2021 |
| Instrument | 3215/400 |
| Name | PROGRESS BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
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 | $4,934.00 (-2.14%) | $546,160 (+1.68%) Land $76,000 Building $470,160 | $546,160 (+1.68%) Land $76,000 Building $470,160 |
| 2024 | $5,042.00 (+6.69%) | ||
| 2023 | $4,726.00 (+11.02%) | $537,119 (+16.92%) Land $55,132 Building $481,987 | $537,119 (+16.92%) Land $55,132 Building $481,987 |
| 2022 | $4,257.00 | $459,399 Land $61,197 Building $398,202 | $459,399 Land $61,197 Building $398,202 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond 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 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.
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