39 Monaco St, Miramar Beach, FL 32550 Property Records

Walton County property record for 39 Monaco St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,442 sqft · built 2005
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$850,000 (Nov 2015)
Tax Bill	$9,251 (2024)
Deeds & Mortgages	Apr 2022 Mortgage
Flood Zone	Zone A (high risk)
APN	`33-2S-21-42172-000-0040`

Property Details

APN / Parcel Number

Primary APN	`33-2S-21-42172-000-0040`
Alternative APN	`1073710`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	4 Stories
Building Area	3,442 sqft Living Area
Gross Area	5,028 sqft
Interior Walls	Custom/Decorative
Elevator	Elevator

Exterior

Year Built	Built 2005
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	21.2 ft deep x 4.5 ft wide
Garage Type	Finished
Garage Area	616 sqft
Porch	Porch
Porch Area	970 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1073710
Street Address	39 MONACO ST
City	MIRAMAR BEACH
State	FL
Zip	32550-4003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 CRESCENT BEACH COTTAGES S/D PB 14-76 OR 2330-1633 OR 2491-1741 OR 2700-234 OR 2700-235 OR 2995-1733
Legal Range	21W
Legal Township	02S
Legal Section	33
Legal Subdivision	CRESCENT BEACH COTTAGES
Legal Lot Number	4
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950609

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2136 N WOODCHASE CT, BATON ROUGE, LA 70808-4016
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2015 · Amount on Record
Deed Sale	Nov 16, 2015 · Amount on Record
Prior Sale	Dec 2, 2005 · Amount on Record
Deed Document Number	2015661345696
Deed Book / Page	2995 / 1733
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	39 MONACO ST, MIRAMAR BEACH, FL 32550-4003
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2136 N WOODCHASE CT, BATON ROUGE, LA 70808-4016

Mortgage

Document Number	0032480869
Date	Apr 18, 2022
Book Page	3248/869
Instrument	20220017969

Lender

Name	WHITNEY BANK
Type	Bank
Address	GULFPORT, MS 39501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	May 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.87%
Index	Other
Max Rate	7.87%

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		$1,187,128 (+16.81%) Land $400,000 Building $787,128	$1,187,128 (+16.81%) Land $400,000 Building $787,128
2024	$9,251.00 (+7.05%)
2023	$8,642.00 (+6.27%)	$1,016,295 (+6.98%) Land $210,757 Building $805,538	$1,016,295 (+6.98%) Land $210,757 Building $805,538
2022	$8,132.00	$950,007 Land $233,940 Building $716,067	$950,007 Land $233,940 Building $716,067

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% 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 138 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
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Wildstar Networks.

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