3236 Bay Estates Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 3236 Bay Estates Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 4,557 sqft · built 2001
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Trust Names on File
Last Sale	$2,980,000 (Jun 2023)
Tax Bill	$22,824 (2025)
Deeds & Mortgages	Feb 2026 Transfer Jun 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`23-2S-21-42110-00A-0060`

Property Details

APN / Parcel Number

Primary APN	`23-2S-21-42110-00A-0060`
Alternative APNs	`23-221-42110-00A-0060` `1041562`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,557 sqft Living Area
Gross Area	7,550 sqft
1st Floor Area	3,930 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2004
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete
Lot Area	27,443 sqft (0.63 acres)
Lot Dimensions	218 ft deep x 126 ft wide
Garage Type	Attached
Garage Area	960 sqft
Driveway	Brick Driveway
Porch	Finished Screened Porch
Porch Area	2,003 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3236 BAY ESTATES DR
City	MIRAMAR BEACH
State	FL
Zip	32550-7818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 6 BLK A SANDESTIN BAY EST PH II PB 8-7 & INT IN COMMON ELEMENTS AS RECD IN OR 479-189 OR 1697-94 OR 2299-1708 OR 2384-697 OR 3294-1648
Legal Range	021
Legal Township	02S
Legal Section	23
Legal Subdivision	SANDESTIN BAY EST PH II
Legal Phase	2
Legal Block	A
Legal Lot Number	6
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	3
Census Block	3000
Census Tract	950607

Owner

3236 Bay Estates Dr is owner-occupied and held in a trust since February 2026.

Source: Walton County records, as of February 27, 2026

Owner of Record	2 Trust Names on File
Mailing Address	3236 BAY ESTATES DR, MIRAMAR BEACH, FL 32550-7818
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Feb 12, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 30, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2023 · Amount on File
Deed Sale	Jun 30, 2023 · Amount on File
Prior Sale	Feb 19, 2002 · Amount on File
Deed Document Number	202323335
Deed Book / Page	3294 / 1648
Last Transfer Date	Feb 2, 2026
Transfer Doc	0033870265
Record Updated	Jun 8, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Feb 12, 2026
Property Address	3236 BAY ESTATES DR, MIRAMAR BEACH, FL 32550-7818
Document Number	0033870265
Book / Page	3387 / 265
Map Reference	MB 8 PG 7
Instrument Date	Feb 2, 2026
Instrument	20260005316
Transaction Type	Transfer
Record Updated	Mar 3, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3236 BAY ESTATES DR, MIRAMAR BEACH, FL 32550-7818

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3236 BAY ESTATES DR, MIRAMAR BEACH, FL 32550-7818
Investor	Possibly a Property Investor

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 30, 2023
Property Address	3236 BAY ESTATES DR, MIRAMAR BEACH, FL 32550-7818
Document Number	0032941648
Book / Page	3294 / 1648
Map Reference	MB 8 PG 7
Instrument Date	Jun 30, 2023
Instrument	20230023335
Transaction Type	Transfer
Record Updated	Jul 20, 2023
Title Company	EQUITRUST TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20,860.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	311 LANAI CT, LOUISVILLE, KY 40245-3976

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3236 BAY ESTATES DR, MIRAMAR BEACH, FL 32550-7818

Mortgage

Document Number	0032941650
Date	Jun 30, 2023
Instrument	3294/1650

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.9%
Type Change Date	Jul 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.9%
Index	Other
Margin	3
Max Rate	10.9%

Tax Assessment & Valuation

The 2025 property tax bill for 3236 Bay Estates Dr was $22,824, up 0.4% 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	$22,824.00 (+0.36%)	$2,564,615 Land $500,000 Building $2,064,615	$2,564,615 Land $500,000 Building $2,064,615
2024	$22,742.00 (+56.18%)
2023	$14,561.00 (+1.05%) Homeowner's exemption	$3,443,713 (+59.58%) Land $438,983 Building $3,004,730	$3,443,713 (+59.58%) Land $438,983 Building $3,004,730
2022	$14,410.00 Homeowner's exemption	$2,157,935 Land $487,271 Building $1,670,664	$2,157,935 Land $487,271 Building $1,670,664

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

Flood

FEMA maps place 3236 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	7.0 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 3236 Bay Estates Dr is low, with a 0.02% annual chance of wildfire.

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.

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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