332 Miami St, Miramar Beach, FL 32550 Property Records

Walton County property record for 332 Miami St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	6 bd · 7 ba · 2,268 sqft · built 2024
Lot Size	0.123 acres (5,358 sqft)
Owner	Individual Name on File
Last Sale	$1,810,000 (Jun 2024)
Tax Bill	$3,589 (2024)
Deeds & Mortgages	Apr 2025 Mortgage Jun 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00I-0090`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00I-0090`
Alternative APN	`1071881`

Interior

Bedrooms	6 Beds
Full Baths	7 Baths
Stories	3 Stories
Building Area	2,268 sqft Living Area
Gross Area	4,194 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2024
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,358 sqft (0.123 acres)
Lot Dimensions	10.7 ft deep x 5 ft wide
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1071881
Street Address	332 MIAMI ST
City	MIRAMAR BEACH
State	FL
Zip	32550-3908
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLK I FRANGISTA BCH 2ND ADD PB 3-41 OR 1754-243 OR 2619-2550 OR 2619-4009 OR 3199-3112 OR 3262-2921 OR 3328-3417
Legal Range	21W
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BEACH 2ND ADD
Legal Block	1
Legal Lot Number	9
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1033
Census Tract	950609

Owner

332 Miami St is owned by an individual who bought it in June 2024.

Source: Walton County records, as of December 17, 2025

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 File
Co-owner	Co-owner on File
Mailing Address	5811 HARRODS GLEN DR, PROSPECT, KY 40059-7650
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY FCU
Jun 26, 2024	Warranty Deed, Transfer · Conventional Mortgage LIBERTY FCU
Aug 5, 2022	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
May 26, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage RENASANT BANK
Nov 26, 2018	Deed of Trust, Mortgage REGIONS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2024 · Amount on File
Deed Sale	Jun 26, 2024 · Amount on File
Prior Sale	Aug 5, 2022 · Amount on File
Deed Document Number	20240022489
Deed Book / Page	3328 / 3417
Record Updated	Jun 8, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	332 MIAMI ST, MIRAMAR BEACH, FL 32550-3908
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5811 HARRODS GLEN DR, PROSPECT, KY 40059-7650

Mortgage

Document Number	0033550764
Date	Apr 10, 2025
Book Page	3355/764
Instrument	20250012236

Lender

Name	LIBERTY FCU
Type	Credit Union
Address	EVANSVILLE, IN 47715

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	May 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11%

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 26, 2024
Property Address	332 MIAMI ST, MIRAMAR BEACH, FL 32550-3908
Document Number	0033283417
Book / Page	3328 / 3417
Map Reference	MB 3 PG 41
Instrument Date	Jun 21, 2024
Instrument	20240022489
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,670.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 6723, MIRAMAR BEACH, FL 32550-1013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5811 HARRODS GLEN DR, PROSPECT, KY 40059-7650

Mortgage

Document Number	20240022490
Date	Jun 26, 2024
Instrument	20240022490

Lender

Name	LIBERTY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2054

Mortgage

Document Number	0033283971
Date	Jun 27, 2024
Book Page	3328/3971
Instrument	20240022632

Lender

Name	LIBERTY FCU
Type	Credit Union
Address	EVANSVILLE, IN 47715

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 15, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Aug 5, 2022
Property Address	332 MIAMI ST, MIRAMAR BEACH, FL 32550-3908
Document Number	0032622921
Book / Page	3262 / 2921
Map Reference	MB 3 PG 41
Instrument Date	Aug 2, 2022
Instrument	20220036036
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Tax	$1,740.90
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	98 LEGION PARK LOOP, MIRAMAR BEACH, FL 32550-8039

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	80 WOODLAND BAYOU DR, SANTA ROSA BEACH, FL 32459-3402

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 26, 2021
Property Address	332 MIAMI ST, MIRAMAR BEACH, FL 32550-3908
Document Number	0031993112
Book / Page	3199 / 3112
Map Reference	MB 3 PG 41
Instrument Date	May 21, 2021
Instrument	20210026333
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	BURKE LAW AND TITLE LLC, BURKE LAW & TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	357 RIDGEWOOD DR, SOLDOTNA, AK 99669-7358

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 LEGION PARK LOOP, MIRAMAR BEACH, FL 32550-8039

Mortgage

Document Number	0031993113
Date	May 26, 2021
Instrument	3199/3113

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 20, 2022

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	MIAMI ST, MIRAMAR BEACH, FL 32550
Document Number	0030922727
Instrument Date	Nov 26, 2018
Transaction Type	Mortgage
Record Updated	Jan 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	FRANGISTA BCH 2ND ADDITION MIRAMAR BEACH FL 32550, MIRAMAR BEACH, FL 32550

Mortgage

Document Number	0030922727
Date	Dec 14, 2018
Book Page	003092/002727
Instrument	41434

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Amount	Amount on Record
Term	180 Months
Due	Dec 13, 2033

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		$1,308,600 Land $400,000 Building $908,600	$1,308,600 Land $400,000 Building $908,600
2024	$3,589.00 (+5%)
2023	$3,418.00 (+30.31%)	$450,000 (+58.98%) Land $450,000	$450,000 (+58.98%) Land $450,000
2022	$2,623.00	$283,050 Land $283,050	$283,050 Land $283,050

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 332 Miami St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 750 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4,168 units insured incl. 3,418 condo units
Nearby Flood Claims	64 (1995–2024)
Claims Outside the SFHA	45 of 64
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 29 claims Hurricane Frances, Sep 2004 · 10 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

The area around 332 Miami St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 360 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: CenturyLink, T-Mobile, Wildstar Networks.

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