37 Ruth St, Miramar Beach, FL 32550 Property Records

Walton County property record for 37 Ruth St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,526 sqft · built 2019
Lot Size	0.115 acres (5,009 sqft)
Owner	Company Name on Record
Last Sale	$1,300,000 (Mar 2023)
Tax Bill	$9,193 (2025)
Deeds & Mortgages	Mar 2023 Sale & Second Mortgage Aug 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00F-0110`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00F-0110`
Alternative APNs	`32-221-42050-00F-0110` `1071846`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,526 sqft Living Area
Gross Area	3,038 sqft
1st Floor Area	1,042 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,009 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	308 sqft
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	204 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	37 RUTH ST
City	MIRAMAR BEACH
State	FL
Zip	32550-4640
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 11 BLK F FRANGISTA BCH 2ND ADD PB 3-41 OR 1754-243 OR 2619-2550 OR 2619-4049 OR 2751-4490 OR 2757-3900 OR 2921-4171 OR 2928-1332 OR 2964-3675 OR 3058-267 OR 3116-1878 OR 3284-1562
Legal Range	021
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BCH 2ND ADD
Legal Block	F
Legal Lot Number	11
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1034
Census Tract	950609

Owner

Source: Walton County records, 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	Company Name on Record
Mailing Address	1520 BELLEMEADE DR, MAYFIELD, KY 42066-3722
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2023	Warranty Deed, Transfer · Stand-Alone Second Mortgage CITIZENS BANK NA
Aug 29, 2019	Warranty Deed, Transfer MCNEESE TITLE LLC
Nov 21, 2017	Warranty Deed, Transfer BURKE LAW AND TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2023 · Amount on Record
Deed Sale	Mar 23, 2023 · Amount on Record
Prior Sale	Aug 29, 2019 · Amount on Record
Deed Document Number	20239939
Deed Book / Page	3284 / 1562
Prior Transfer Date	Feb 14, 2007
Prior Transfer Doc	0027514490
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 23, 2023
Property Address	37 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0032841562
Book / Page	3284 / 1562
Map Reference	MB 3 PG 41
Instrument Date	Mar 21, 2023
Instrument	20230009939
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	SOUTH OAK TITLE PANAMA CITY BCH, SOUTH OAK TTL PANAMA CITY BE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4925 S BROADWAY AVE, WICHITA, KS 67216-3716

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1520 BELLEMEADE DR, MAYFIELD, KY 42066-3722

Mortgage

Document Number	0032841564
Date	Mar 23, 2023
Instrument	3284/1564

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Apr 1, 2033
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Max Rate	10.5%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 29, 2019
Property Address	37 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0031161878
Book / Page	003116 / 001878
Instrument Date	Aug 27, 2019
Instrument	29712
Transaction Type	Transfer
Record Updated	Sep 18, 2019
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$3,913.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	1441 LITTLE RAVEN ST #19008 DENVER CO 802026451, 19008, DENVER, CO 80202-6451

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 21, 2017
Property Address	37 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0030580267
Book / Page	003058 / 000267
Instrument Date	Nov 20, 2017
Instrument	38507
Transaction Type	Transfer
Record Updated	Dec 6, 2017
Title Company	BURKE LAW AND TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$5,929.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1201 DRIFTWOOD POINT RD SANTA ROSA BEACH FL 324593030, SANTA ROSA BEACH, FL 32459-3030
Investor	Possibly a Property Investor

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	$9,193.00 (-13.21%)	$1,017,454 (-12.8%) Land $400,000 Building $617,454	$1,017,454 (-12.8%) Land $400,000 Building $617,454
2024	$10,592.00 (+34.69%)
2023	$7,864.00 (+13.05%)	$1,166,817 (+19.15%) Land $450,000 Building $716,817	$1,166,817 (+19.15%) Land $450,000 Building $716,817
2022	$6,956.00	$979,249 Land $283,050 Building $696,199	$979,249 Land $283,050 Building $696,199

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 Record 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

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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