3521 Burnt Pine Ln, Miramar Beach, FL 32550 Property Records

Walton County property record for 3521 Burnt Pine Ln, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,168 sqft · built 2018
Lot Size	0.523 acres (22,782 sqft)
Owner	Company Name on File
Last Sale	$1,890,000 (Jul 2020)
Tax Bill	$17,818 (2024)
Deeds & Mortgages	Jan 2018 Construction Loan Jul 2020 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-2S-21-42820-000-3521`

Property Details

APN / Parcel Number

Primary APN	`23-2S-21-42820-000-3521`
Alternative APN	`1042495`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	4,168 sqft Living Area
Gross Area	5,847 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete Tile
Lot Area	22,782 sqft (0.523 acres)
Lot Depth	21.3 ft Depth
Garage Type	Finished
Garage Area	805 sqft
Porch	Porch
Porch Area	874 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1042495
Street Address	3521 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 3521 ARROWHEAD AT BURNT PINE EAST PB 15-41 OR 2494-1122 OR 3047-3345 OR 3149-3316
Legal Range	21W
Legal Township	02S
Legal Section	23
Legal Subdivision	ARROWHEAD AT BURNT PINE EAST
Legal Lot Number	3521
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	3
Census Block	3000
Census Tract	950607

Owner

Source: Walton County assessment roll, as of July 1, 2025

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

Owner of Record	Company Name on File
Mailing Address	3155 STEELE STATION RD, RAINBOW CITY, AL 35906-8725
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2018	Deed of Trust, Mortgage · Construction Mortgage WHITNEY BANK
Jul 9, 2020	Warranty Deed, Transfer · Line of Credit EXCHANGE BK/AL
Jan 24, 2019	Loan Modification, Mortgage HANCOCK WHITNEY BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 9, 2020 · Amount on Record
Deed Sale	Jul 9, 2020 · Amount on Record
Prior Sale	Jul 24, 2017 · Amount on Record
Deed Document Number	20200024205
Deed Book / Page	3149 / 3316
Record Updated	Jun 8, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	3521 BURNT PINE LN, MIRAMAR BEACH, FL 32550-1837
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030623215
Date	Jan 8, 2018
Book Page	3062/3215
Instrument	2018000000810

Lender

Name	WHITNEY BANK
Type	Bank
Address	GULFPORT, MS 39502

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Fixed Rate
Rate	3.87%
Type Change Date	Feb 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 9, 2020
Property Address	3521 BURNT PINE LN, MIRAMAR BEACH, FL 32550-1837
Document Number	0031493316
Book / Page	003149 / 003316
Instrument Date	Jul 2, 2020
Instrument	24205
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$13,230.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3155 STEELE STATION RD RAINBOW CITY AL 359068725, RAINBOW CITY, AL 35906-8725

Mortgage

Document Number	31493318
Date	Jul 9, 2020
Book Page	003149/003318
Instrument	24206

Lender

Name	EXCHANGE BK/AL
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	3521 BURNT PINE LN, MIRAMAR BEACH, FL 32550-1837
Document Number	0030974091
Instrument Date	Jan 24, 2019
Transaction Type	Mortgage
Record Updated	Mar 8, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3521 BURNT PINE LN MIRAMAR BEACH FL 325501837, MIRAMAR BEACH, FL 32550-1837

Mortgage

Document Number	0030974091
Date	Feb 21, 2019
Book Page	003097/004091
Instrument	5330

Lender

Name	HANCOCK WHITNEY BK
Address	NEW ORLEANS, LA 70122

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2049

Interest

Rate	3.75%

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		$2,149,952 (-15.71%) Land $500,000 Building $1,649,952	$2,149,952 (-15.71%) Land $500,000 Building $1,649,952
2024	$17,818.00 (-4.76%)
2023	$18,708.00 (+22.24%)	$2,550,566 (+38.32%) Land $483,615 Building $2,066,951	$2,550,566 (+38.32%) Land $483,615 Building $2,066,951
2022	$15,304.00	$1,843,929 Land $536,813 Building $1,307,116	$1,843,929 Land $536,813 Building $1,307,116

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
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 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% 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 100 locations within half a mile, as of December 31, 2025

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

May also be available: Mediacom Communications.

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