328 Bay Tree Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 328 Bay Tree Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,667 sqft · built 2000
Lot Size	0.147 acres (6,403 sqft)
Owner	Individual Name on File
Last Sale	$555,000 (Aug 2022)
Tax Bill	$3,190 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-2S-21-42406-000-0060`

Property Details

APN / Parcel Number

Primary APN	`28-2S-21-42406-000-0060`
Alternative APNs	`28-221-42406-000-0060` `1060589`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,667 sqft Living Area
Gross Area	2,380 sqft
1st Floor Area	1,667 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,403 sqft (0.147 acres)
Lot Dimensions	100 ft deep x 64 ft wide
Garage Type	Attached
Garage Area	460 sqft
Porch	Finished Screened Porch
Porch Area	253 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	328 BAY TREE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-7865
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 6 TREETOPS AT BAYSIDE PHASE II PB 12-9 OR 2101-93 OR 3028-744 OR 3262-3049
Legal Range	021
Legal Township	02S
Legal Section	28
Legal Subdivision	BAYSIDE PHASE II
Legal Phase	2
Legal Lot Number	6
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2006
Census Tract	950609

Owner

Source: Walton County assessment roll, as of December 3, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	64 CROSS CREEK RD, 2C, MIRAMAR BEACH, FL 32550-4625
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 5, 2022 · Amount on Record
Deed Sale	Aug 5, 2022 · Amount on Record
Deed Document Number	202236067
Deed Book / Page	3262 / 3049
Prior Transfer Date	Dec 9, 2016
Prior Transfer Doc	0030280744
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 5, 2022
Property Address	328 BAY TREE DR, MIRAMAR BEACH, FL 32550-7865
Document Number	0032623049
Book / Page	3262 / 3049
Map Reference	MB 12 PG 9&9A
Instrument Date	Aug 3, 2022
Instrument	20220036067
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,885.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7142 WOODROW ST, IRMO, SC 29063-2832

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64 CROSS CREEK RD UNIT 2C, 2C, MIRAMAR BEACH, FL 32550-4625

Mortgage

Document Number	0032623052
Date	Aug 5, 2022
Instrument	3262/3052

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

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	$3,190.00 (-14.87%)	$416,133 (-6.86%) Land $85,000 Building $331,133	$416,133 (-6.86%) Land $85,000 Building $331,133
2024	$3,747.00 (-7.69%)
2023	$4,059.00 (+177.82%)	$446,779 (+9.38%) Land $53,735 Building $393,044	$446,779 (+9.38%) Land $53,735 Building $393,044
2022	$1,461.00 Homeowner's exemption	$408,465 Land $59,646 Building $348,819	$408,465 Land $59,646 Building $348,819

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Hurricane Sally, Sep 2020 · 3 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

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	Under 0.01% annual chance
Exposure	None beyond ember reach

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 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: LiveOak Fiber, Lumen Technologies, Mediacom Communications, Wildstar Networks.