39 Saint Simon Cir, Miramar Beach, FL 32550 Property Records

Walton County property record for 39 Saint Simon Cir, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 2,892 sqft · built 2020
Lot Size	0.071 acres (3,093 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Apr 2024)
Tax Bill	$10,259 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Apr 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-2S-21-42970-000-0410`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42970-000-0410`
Alternative APNs	`29-221-42970-000-0410` `1065006`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	3 Stories
Building Area	2,892 sqft Living Area
Gross Area	3,615 sqft
1st Floor Area	1,000 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	3,093 sqft (0.071 acres)
Lot Dimensions	69 ft deep x 45 ft wide
Porch	Finished/Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	39 SAINT SIMON CIR
City	MIRAMAR BEACH
State	FL
Zip	32550-8222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 41 EMERALD WATERS VILLAGE PB 13-27 OR 2514-799 OR 2830-4040 OR 3064-2459 OR 3158-4209 OR 3320-645 OR 3322-1487
Legal Range	021
Legal Township	02S
Legal Section	29
Legal Subdivision	EMERALD WATERS VILLAGE
Legal Block	4
Legal Lot Number	41
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1031
Census Tract	950609

Owner

39 Saint Simon Cir is owned and occupied by two individuals who bought it in April 2024.

Source: Walton County records, as of January 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	39 SAINT SIMON CIR, MIRAMAR BEACH, FL 32550-8222
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Deed of Trust, Mortgage · Line of Credit ANGEL OAK MORTGAGE SOLUTIONS LLC
Apr 1, 2024	Deed of Trust, Mortgage · Conventional Mortgage JMAC LENDING INC
Sep 9, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage AMERICAN BANK & TRUST COMPANY INC
Feb 1, 2018	Warranty Deed, Transfer MCGILL ESCROW AND TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2024 · Amount on File
Deed Sale	Apr 22, 2024 · Amount on File
Prior Sale	Apr 1, 2024 · Amount on File
Deed Document Number	202413779
Deed Book / Page	3322 / 1487
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	39 SAINT SIMON CIR, MIRAMAR BEACH, FL 32550-8222
Transaction Type	Mortgage
Record Updated	Jan 9, 2026
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2540 PATTINGTON WAY NE, CONYERS, GA 30013-1867

Mortgage

Document Number	0033813650
Date	Dec 22, 2025
Book Page	3381/3650
Instrument	20250047115

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	39 SAINT SIMON CIR, MIRAMAR BEACH, FL 32550-8222
Transaction Type	Mortgage
Record Updated	May 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2540 PATTINGTON WAY NE, CONYERS, GA 30013-1867

Mortgage

Document Number	OR33200647
Date	Apr 1, 2024
Book Page	OR3320/647
Instrument	20240011058

Lender

Name	JMAC LENDING INC
Type	Mortgage Company
Address	3200 PARK CENTER DR STE 350, COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 9, 2020
Property Address	39 SAINT SIMON CIR, MIRAMAR BEACH, FL 32550-8222
Document Number	0031584209
Book / Page	3158 / 4209
Map Reference	MB 13 PG 27&27A
Instrument Date	Sep 4, 2020
Instrument	20200034856
Transaction Type	Transfer
Record Updated	Dec 30, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,915.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8982 WINGED FOOT DR, 8982, TALLAHASSEE, FL 32312-4051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 FOXMOOR DR, BOWLING GREEN, KY 42103-7922

Mortgage

Document Number	0031584214
Date	Sep 9, 2020
Instrument	3158/4214

Lender

Name	AMERICAN BANK & TRUST COMPANY INC
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 1, 2018
Property Address	39 SAINT SIMON CIR, MIRAMAR BEACH, FL 32550-8222
Document Number	0030642459
Book / Page	003064 / 002459
Instrument Date	Jan 31, 2018
Instrument	3377
Transaction Type	Transfer
Record Updated	Feb 16, 2018
Title Company	MCGILL ESCROW AND TITLE LLC

Transaction

Amount	Amount on Record
Tax	$1,084.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8982 WINGED FOOT DR TALLAHASSEE FL 323124051, TALLAHASSEE, FL 32312-4051

Tax Assessment & Valuation

The 2025 property tax bill for 39 Saint Simon Cir was $10,259, down 4.5% from the year before.

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	$10,259.00 (-4.46%)	$1,135,466 Land $325,000 Building $810,466	$1,135,466 Land $325,000 Building $810,466
2024	$10,738.00 (+5.16%)
2023	$10,211.00 (+13.1%)	$1,299,542 (+20.57%) Land $255,000 Building $1,044,542	$1,299,542 (+20.57%) Land $255,000 Building $1,044,542
2022	$9,028.00	$1,077,871 Land $161,618 Building $916,253	$1,077,871 Land $161,618 Building $916,253

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

Flood

FEMA maps place 39 Saint Simon Cir in Zone X, an area of minimal flood risk, though there have been 64 flood claims nearby since 1995.

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 File 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

The area around 39 Saint Simon Cir has no burnable land within ember reach, so its wildfire risk is not rated.

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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