3202 Bay Estates Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 3202 Bay Estates Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,460 sqft · built 2019
Lot Size	0.345 acres (15,028 sqft)
Owner	2 Individual Names on File
Last Sale	$2,625,000 (Mar 2025)
Tax Bill	$22,090 (2025)
Deeds & Mortgages	Mar 2018 Construction Loan Jun 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`23-2S-21-42120-000-3202`

Property Details

APN / Parcel Number

Primary APN	`23-2S-21-42120-000-3202`
Alternative APNs	`23-221-42120-000-3202` `1041600`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	4,460 sqft Living Area
Gross Area	5,116 sqft
1st Floor Area	3,900 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	15,028 sqft (0.345 acres)
Lot Dimensions	155 ft deep x 97 ft wide
Garage Type	Attached
Garage Area	624 sqft
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	32 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3202 BAY ESTATES DR
City	MIRAMAR BEACH
State	FL
Zip	32550-4899
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 3202 SANDESTIN BAY ESTS PH 3 PB 10-49 OR 1762-335 OR 1986-346 OR 2302-1086 OR 2611-4231 OR 2611-4234 OR 2634-3980 OR 2790-2343 OR 2858-4656 OR 2870-2727 OR 3025-701 OR 3147-4031 OR 3330-4267 OR 3351-4635
Legal Range	021
Legal Township	02S
Legal Section	23
Legal Subdivision	SANDESTIN BAY EST
Legal Phase	3
Legal Block	32
Legal Lot Number	3202
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	3
Census Block	3000
Census Tract	950607

Owner

3202 Bay Estates Dr is owned by two individuals who bought it in March 2025.

Source: Walton County records, as of December 3, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1215 COUNTRY CLUB DR, MIDLAND, TX 79701-4114
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2018	Deed of Trust, Mortgage · Construction Mortgage SMARTBANK
Jun 26, 2020	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2025 · Amount on File
Deed Sale	Mar 7, 2025 · Amount on File
Prior Sale	Jun 26, 2020 · Amount on File
Deed Document Number	20257756
Deed Book / Page	3351 / 4635
Prior Transfer Date	Jul 15, 2024
Prior Transfer Doc	0033304267
Record Updated	Sep 20, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	3202 BAY ESTATES DR, MIRAMAR BEACH, FL 32550-4899
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030672083
Date	Mar 7, 2018
Book Page	3067/2083
Instrument	2018000007451

Lender

Name	SMARTBANK
Type	Bank
Address	PIGEON FORGE, TN 37868

Agreement

Type	Construction Mortgage
Amount	Amount on Record

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 26, 2020
Property Address	3202 BAY ESTATES DR, MIRAMAR BEACH, FL 32550-4899
Document Number	0031474031
Book / Page	3147 / 4031
Map Reference	MB 10 PG 49
Instrument Date	Jun 25, 2020
Instrument	20200022101
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4702 AMHURST CIR, 4702, DESTIN, FL 32541-5765

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3202 BAY ESTATES DR, MIRAMAR BEACH, FL 32550-4899

Mortgage

Document Number	0031474033
Date	Jun 26, 2020
Instrument	3147/4033

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 3202 Bay Estates Dr was $22,090, up 77.2% 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	$22,090.00 (+77.19%)	$2,444,775 Land $500,000 Building $1,944,775	$2,444,775 Land $500,000 Building $1,944,775
2024	$12,467.00 (+3.63%)
2023	$12,030.00 (+1.07%) Homeowner's exemption	$2,463,112 (+50.58%) Land $498,968 Building $1,964,144	$2,463,112 (+50.58%) Land $498,968 Building $1,964,144
2022	$11,903.00 Homeowner's exemption	$1,635,728 Land $553,855 Building $1,081,873	$1,635,728 Land $553,855 Building $1,081,873

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

Flood

FEMA maps place 3202 Bay Estates Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 530 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,379 units insured incl. 849 condo units
Nearby Flood Claims	14 (2001–2021)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 6 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 6 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 3202 Bay Estates Dr is low, with 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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Cox Communications Fiber	2,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wildstar Networks.

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