3284 Burnt Pine Ln, Miramar Beach, FL 32550 Property Records

Walton County property record for 3284 Burnt Pine Ln, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,851 sqft · built 2001
Lot Size	0.414 acres (18,077 sqft)
Owner	Individual Name on Record
Last Sale	$2,965,000 (Jan 2026)
Tax Bill	$15,988 (2024)
Deeds & Mortgages	Jan 2026 Sale Nov 2025 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`23-2S-21-42400-000-3284`

Property Details

APN / Parcel Number

Primary APN	`23-2S-21-42400-000-3284`
Alternative APN	`1041991`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,851 sqft Living Area
Gross Area	5,128 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2001
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete Tile
Lot Area	18,077 sqft (0.414 acres)
Lot Dimensions	16.3 ft deep x 11.1 ft wide
Garage Type	Finished
Garage Area	802 sqft
Porch	Porch
Porch Area	475 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1041991
Street Address	3284 BURNT PINE LN
City	MIRAMAR BEACH
State	FL
Zip	32550-7806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 3284 BURNT PINE LANE S/D PB 11-1 OR 1570-140 OR 2320-103 OR 2500-10 OR 3172-160
Legal Range	21W
Legal Township	02S
Legal Section	23
Legal Subdivision	BURNT PINE LANE
Legal Lot Number	3284
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	3
Census Block	3000
Census Tract	950607

Owner

Source: Walton County records, as of February 5, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3284 BURNT PINE LN, MIRAMAR BEACH, FL 32550-7806
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2026	Warranty Deed, Transfer CUSTOMERS FIRST TITLE COMPANY, CUSTOMERS FIRST TITLE CO
Nov 10, 2025	Deed of Trust, Mortgage · Line of Credit SMARTBANK
May 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK
Dec 4, 2020	Warranty Deed, Transfer · Commercial Mortgage IBERIABANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2026 · Amount on Record
Deed Sale	Jan 21, 2026 · Amount on Record
Prior Sale	Dec 4, 2020 · Amount on Record
Deed Document Number	20260002289
Deed Book / Page	3384 / 3829
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 21, 2026
Property Address	3284 BURNT PINE LN, MIRAMAR BEACH, FL 32550-7806
Document Number	0033843829
Book / Page	3384 / 3829
Map Reference	MB 11 PG 1
Instrument Date	Jan 20, 2026
Instrument	20260002289
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	CUSTOMERS FIRST TITLE COMPANY, CUSTOMERS FIRST TITLE CO

Transaction

Amount	Amount Recorded
Tax	$20,755.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3040 LANCASTER SQ, ROSWELL, GA 30076-1370

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3284 BURNT PINE LN, MIRAMAR BEACH, FL 32550-7806

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	3284 BURNT PINE LN, MIRAMAR BEACH, FL 32550-7806
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3040 LANCASTER SQ, ROSWELL, GA 30076-1370

Mortgage

Document Number	0033770968
Date	Nov 10, 2025
Book Page	3377/968
Instrument	20250041592

Lender

Name	SMARTBANK
Type	Bank
Address	DESTIN, FL 32541

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	3284 BURNT PINE LN, MIRAMAR BEACH, FL 32550-7806
Transaction Type	Mortgage
Record Updated	May 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3284 BURNT PINE LN, MIRAMAR BEACH, FL 32550-7806

Mortgage

Document Number	0032504546
Date	May 4, 2022
Book Page	3250/4546
Instrument	20220021266

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	May 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.87%
Index	Other
Max Rate	7.87%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 4, 2020
Property Address	3284 BURNT PINE LN, MIRAMAR BEACH, FL 32550-7806
Document Number	0031720160
Book / Page	3172 / 160
Map Reference	MB 11 PG 1
Instrument Date	Dec 2, 2020
Instrument	20200049820
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	BURKE LAW AND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 870, KNOXVILLE, TN 37901-0870

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3040 LANCASTER SQ, ROSWELL, GA 30076-1370

Mortgage

Document Number	0003172162
Date	Dec 4, 2020
Instrument	3172/162

Lender

Name	IBERIABANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$2,257,909 (+8.8%) Land $650,000 Building $1,607,909	$2,257,909 (+8.8%) Land $650,000 Building $1,607,909
2024	$15,988.00 (-1.17%)
2023	$16,177.00 (+21.67%)	$2,075,358 (+39.02%) Land $483,615 Building $1,591,743	$2,075,358 (+39.02%) Land $483,615 Building $1,591,743
2022	$13,296.00	$1,492,859 Land $536,813 Building $956,046	$1,492,859 Land $536,813 Building $956,046

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 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

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

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

May also be available: Mediacom Xtream.

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