3519 Burnt Pine Ln, Miramar Beach, FL 32550 Property Records

Walton County property record for 3519 Burnt Pine Ln, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,332 sqft · built 2018
Lot Size	0.446 acres (19,428 sqft)
Owner	2 Owner Names on File
Last Sale	$315,000 (Oct 2014)
Tax Bill	$14,163 (2024)
Deeds & Mortgages	Feb 2017 Construction Loan Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-2S-21-42820-000-3519`

Property Details

APN / Parcel Number

Primary APN	`23-2S-21-42820-000-3519`
Alternative APN	`1042493`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	4,332 sqft Living Area
Gross Area	5,928 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Stucco
Roof Type	Cathedral/Clerestory
Roof Material	Concrete Tile
Lot Area	19,428 sqft (0.446 acres)
Lot Depth	17.4 ft Depth
Garage Type	Finished
Garage Area	767 sqft

Exterior Amenities

Porch	Porch
Porch Area	829 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1042493
Street Address	3519 BURNT PINE LN
City	MIRAMAR BEACH
State	FL
Zip	32550-1837
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 3519 ARROWHEAD AT BURNT PINE EAST PB 15-41 OR 2497-1392 OR 2660-4477 OR 2961-2187
Legal Range	21W
Legal Township	02S
Legal Section	23
Legal Subdivision	ARROWHEAD AT BURNT PINE EAST
Legal Lot Number	3519
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 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	2 Owner Names on File
Mailing Address	605 N COUNTY HIGHWAY 393 STE A3, A3, SANTA ROSA BEACH, FL 32459-5390
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2017	Deed of Trust, Mortgage · Construction Mortgage WHITNEY BANK
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jun 8, 2018	Loan Modification, Mortgage HANCOCK WHITNEY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2014 · Amount on File
Deed Sale	Oct 6, 2014 · Amount on File
Prior Sale	Mar 25, 2005 · Amount on File
Deed Document Number	2014661297862
Deed Book / Page	2961 / 2187
Record Updated	Jun 8, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	3519 BURNT PINE LN, MIRAMAR BEACH, FL 32550-1837
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030321999
Date	Feb 1, 2017
Book Page	3032/1999
Instrument	0003230

Lender

Name	WHITNEY BANK
Type	Bank
Address	GULFPORT, MS 39502

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%
Type Change Date	Feb 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	3519 BURNT PINE LN, MIRAMAR BEACH, FL 32550-1837
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	SETCO SERVICES LLC, SETCO SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3519 BURNT PINE LN, MIRAMAR BEACH, FL 32550-1837

Mortgage

Document Number	0031890080
Date	Mar 23, 2021
Book Page	3189/80
Instrument	20210013796

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	3519 BURNT PINE LN, MIRAMAR BEACH, FL 32550-1837
Document Number	0030800971
Instrument Date	Jun 8, 2018
Transaction Type	Mortgage
Record Updated	Aug 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3519 BURNT PINE LN MIRAMAR BEACH FL 325501837, MIRAMAR BEACH, FL 32550-1837

Mortgage

Document Number	0030800971
Date	Jul 24, 2018
Book Page	003080/000971
Instrument	24650

Lender

Name	HANCOCK WHITNEY BK
Address	PO BOX 2026, FLINT, MI 48501-2026

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2048

Interest

Rate	3.87%

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		$2,396,272 (-16.15%) Land $500,000 Building $1,896,272	$2,396,272 (-16.15%) Land $500,000 Building $1,896,272
2024	$14,163.00 (+3.62%)
2023	$13,668.00 (+1.06%) Homeowner's exemption	$2,857,902 (+40.04%) Land $483,615 Building $2,374,287	$2,857,902 (+40.04%) Land $483,615 Building $2,374,287
2022	$13,525.00 Homeowner's exemption	$2,040,733 Land $536,813 Building $1,503,920	$2,040,733 Land $536,813 Building $1,503,920

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% 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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