375 Bay Tree Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 375 Bay Tree Dr, Miramar Beach, FL 32550 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,644 sqft · built 2000
Lot Size	0.117 acres (5,097 sqft)
Owner	2 Company Names on File
Last Sale	$549,000 (Oct 2022)
Tax Bill	$4,577 (2024)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`28-2S-21-42406-000-0270`

Property Details

APN / Parcel Number

Primary APN	`28-2S-21-42406-000-0270`
Alternative APN	`1060610`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,644 sqft Living Area
Gross Area	2,380 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2010
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	5,097 sqft (0.117 acres)
Lot Dimensions	8.7 ft deep x 5.9 ft wide
Garage Type	Finished
Garage Area	460 sqft

Exterior Amenities

Porch	Porch
Porch Area	276 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1060610
Street Address	375 BAY TREE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-7866
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 27 TREETOPS AT BAYSIDE PH 2 PB 12-9 OR 2173-260 OR 2673-4832 OR 2915-3507 OR 2937-1069 OR 3222-4781 OR 3268-4725 OR
Legal Range	21W
Legal Township	02S
Legal Section	28
Legal Subdivision	TREETOPS AT BAYSIDE
Legal Phase	2
Legal Lot Number	27
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2006
Census Tract	950609

Owner

Source: Walton County records · APN 28-2S-21-42406-000-0270

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	2 Company Names on File
Co-owner	Verified Secondary Owner
Mailing Address	375 BAY TREE DR, MIRAMAR BEACH, FL 32550-7866
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 04, 2022	Warranty Deed, Transfer · Conventional Mortgage CAPITAL CITY HOME LOANS LLC
Oct 29, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage STEVE CATHEY

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Oct 04, 2022 · Amount on Record
Deed Sale	Oct 04, 2022 · Amount on Record
Prior Sale	Oct 04, 2022 · Amount on Record
Deed Document Number	0032684725
Deed Book / Page	3268 / 4725
Last Transfer Date	May 15, 2025
Transfer Doc	0033583644
Record Updated	Jun 08, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 04, 2022
Property Address	375 BAY TREE DR, MIRAMAR BEACH, FL 32550-7866
Document Number	0032684725
Book / Page	3268 / 4725
Map Reference	MB 12 PG 9&9A
Instrument Date	Sep 30, 2022
Instrument	20220044309
Transaction Type	Transfer
Record Updated	Feb 20, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,843.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8208 CHATHAM CT, BRENTWOOD, TN 37027-6710

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 S GERONIMO ST UNIT 104, 104, MIRAMAR BEACH, FL 32550-4082

Mortgage

Document Number	0032684727
Date	Oct 04, 2022
Instrument	3268/4727

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2052

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 29, 2021
Property Address	375 BAY TREE DR, MIRAMAR BEACH, FL 32550-7866
Document Number	0032224781
Book / Page	3222 / 4781
Map Reference	MB 12 PG 9&9A
Instrument Date	Oct 29, 2021
Instrument	20210054002
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,675.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	375 BAY TREE DR, MIRAMAR BEACH, FL 32550-7866

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8208 CHATHAM CT, BRENTWOOD, TN 37027-6710

Mortgage

Document Number	0032224783
Date	Oct 29, 2021
Instrument	3222/4783

Lender

Name	STEVE CATHEY
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Walton County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$474,116 (-9.46%) Land $85,000 Building $389,116	$474,116 (-9.46%) Land $85,000 Building $389,116
2024	$4,577.00 (+3.81%)
2023	$4,409.00 (+0.85%) Homeowner's exemption	$523,638 (+10.99%) Land $53,735 Building $469,903	$523,638 (+10.99%) Land $53,735 Building $469,903
2022	$4,372.00	$471,806 Land $59,646 Building $412,160	$471,806 Land $59,646 Building $412,160

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Walton County (12131C), updated June 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121319506092, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 428 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	645 units insured 217 under condo master policies
Nearby Flood Claims	23 (1998–2024)
Claims Outside the SFHA	10 of 23
Most Recent Claim	Sep 2024, rainfall accumulation
Claims By Storm	Hurricane Sally, Sep 2020 · 3 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 6 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 337 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Fiber	2,000 / 35
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Cox Communications, Wildstar Networks, Mediacom Communications, LiveOak Fiber, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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