39 Payne St, Miramar Beach, FL 32550 Property Records

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

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,466 sqft · built 2016
Lot Size	0.085 acres (3,746 sqft)
Owner	Company Name on Record
Last Sale	$1,500,000 (Sep 2021)
Tax Bill	$12,416 (2024)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42660-000-0040`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42660-000-0040`
Alternative APN	`1068007`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	2,466 sqft Living Area
Gross Area	3,207 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2016
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,746 sqft (0.085 acres)
Lot Dimensions	8.8 ft deep x 4.3 ft wide
Garage Type	Finished
Garage Area	408 sqft

Exterior Amenities

Porch	Porch
Porch Area	333 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1068007
Street Address	39 PAYNE ST
City	MIRAMAR BEACH
State	FL
Zip	32550-5295
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 TREASURE SANDS S/D PB 17-100 OR 2805-3373 OR 2822-3944 OR 2935-2673 OR 2975-4939 OR 3008-66 OR 3148-396 OR 3214-4440
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	TREASURE SANDS S/D
Legal Lot Number	4
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2011
Census Tract	950608

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	Company Name on Record
Mailing Address	145 AUTUMN LN, TROUTVILLE, VA 24175-6673
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2021	Warranty Deed, Transfer · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO
Jun 29, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2021 · Amount on Record
Deed Sale	Sep 3, 2021 · Amount on Record
Prior Sale	Jun 29, 2020 · Amount on Record
Deed Document Number	20210044536
Deed Book / Page	3214 / 4440
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 3, 2021
Property Address	39 PAYNE ST, MIRAMAR BEACH, FL 32550-5295
Document Number	0032144440
Book / Page	3214 / 4440
Map Reference	MB 17 PG 100
Instrument Date	Aug 31, 2021
Instrument	20210044536
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6259 BLACK FOX WAY, 6259, TALLAHASSEE, FL 32312-4505

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 AUTUMN LN, TROUTVILLE, VA 24175-6673

Mortgage

Document Number	32144444
Date	Sep 3, 2021
Instrument	3214/4444

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 29, 2020
Property Address	39 PAYNE ST, MIRAMAR BEACH, FL 32550-5295
Document Number	0031480396
Book / Page	3148 / 396
Map Reference	MB 17 PG 100
Instrument Date	Jun 26, 2020
Instrument	20200022421
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,880.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	517 RUSSELL ST, 517, WHEELING, IL 60090-4527

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6259 BLACK FOX WAY, TALLAHASSEE, FL 32312-4505

Mortgage

Document Number	0003148399
Date	Jun 29, 2020
Instrument	3148/399

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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		$1,099,138 (-19.86%) Land $142,354 Building $956,784	$1,099,138 (-19.86%) Land $142,354 Building $956,784
2024	$12,416.00 (+0.04%)
2023	$12,411.00 (+8.25%)	$1,371,594 (+10.86%) Land $142,354 Building $1,229,240	$1,371,594 (+10.86%) Land $142,354 Building $1,229,240
2022	$11,465.00	$1,237,178 Land $158,013 Building $1,079,165	$1,237,178 Land $158,013 Building $1,079,165

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 203 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	706 units insured incl. 503 condo units
Nearby Flood Claims	3 (2014–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2020 · Hurricane Sally

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	P32 “Moreno Point”
Unit Type	System Unit
Designated	Oct 18, 1982
NFIP Eligibility	Not eligible (built 2016) built after the Oct 1, 1983 cutoff · private flood insurance only

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 437 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
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Wildstar Networks.

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