1. Home
  2. Florida
  3. Walton County
  4. Miramar Beach
  5. Bay Tree Dr

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

Walton County property record for 392 Bay Tree Dr, Miramar Beach, FL 32550

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,687 sqft · built 2000
Lot Size0.098 acres (4,269 sqft)
Owner2 Individual Names on Record
Last Sale$77,700 (Nov 2025)
Tax Bill$3,834 (2025)
Deeds & MortgagesNov 2025 Sale
Oct 2022 Mortgage
+ 4 more
Flood ZoneZone X (moderate risk)
APN28-2S-21-42406-000-0140

Property Details

APN / Parcel Number

Primary APN28-2S-21-42406-000-0140
Alternative APNs
  • 28-221-42406-000-0140
  • 1060597

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,687 sqft Living Area
Gross Area2,433 sqft
1st Floor Area1,687 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Exterior MaterialBrick
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Lot Area4,269 sqft (0.098 acres)
Lot Dimensions113 ft deep x 38 ft wide
Garage TypeAttached
Garage Area460 sqft
PorchFinished Screened Porch
Porch Area286 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address392 BAY TREE DR
CityMIRAMAR BEACH
StateFL
Zip32550-7865
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRP
Legal DescriptionLOT 14 TREETOPS AT BAYSIDE PH II PB 12-9 OR 2312-1070 OR 2614-3072 OR 2870-1285 OR 3138-1837 OR 3147-2783 OR 3265-3378
Legal Range021
Legal Township02S
Legal Section28
Legal SubdivisionBAYSIDE PH II
Legal Phase2
Legal Block1
Legal Lot Number14
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group2
Census Block2006
Census Tract950609

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 Record2 Individual Names on Record
Mailing Address392 BAY TREE DR, MIRAMAR BEACH, FL 32550-7865
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 12, 2025Quit Claim Deed, Transfer
Quitclaim
Oct 11, 2022Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Sep 6, 2022Warranty Deed, Transfer · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Jun 24, 2020Grant Deed, Transfer
ACHIEVE TITLE SERVICES INC, ACHIEVE TITLE SVCS INC
Mar 30, 2020Court-Ordered Deed, Foreclosure
NOT AVAILABLE
Feb 17, 2017Deed of Trust, Mortgage · Conventional with PMI
LOW VA RATES LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 12, 2025 · Amount on Record
Deed SaleNov 12, 2025 · Amount on Record
Prior SaleSep 6, 2022 · Amount on Record
Deed Document Number202541826
Deed Book / Page3377 / 1946
Prior Transfer DateNov 5, 2025
Prior Transfer Doc0033771946
Record UpdatedOct 29, 2026

November 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWALTON FL
Recording DateNov 12, 2025
Property Address392 BAY TREE DR, MIRAMAR BEACH, FL 32550-7865
Document Number0033771946
Book / Page3377 / 1946
Map ReferenceMB 12 PG 9
Instrument DateNov 5, 2025
Instrument20250041826
Transaction TypeTransfer
Record UpdatedNov 28, 2025

Transaction

AmountAmount Recorded
Tax$543.90
Amount AccuracyRounded by County
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address85610 N NORTON AVE, KANSAS CITY, MO 64156

Transferred To (Grantee/Buyer)

NameVerified Name
Address392 BAY TREE DR, MIRAMAR BEACH, FL 32550-7865

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWALTON FL
Property Address392 BAY TREE DR, MIRAMAR BEACH, FL 32550-7865
Transaction TypeMortgage
Record UpdatedFeb 20, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address62 VANTAGE PT, MIRAMAR BEACH, FL 32550-4864

Mortgage

Document Number0032693051
DateOct 11, 2022
Book Page3269/3051
Instrument20220045189
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2052

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateSep 6, 2022
Property Address392 BAY TREE DR, MIRAMAR BEACH, FL 32550-7865
Document Number0032653378
Book / Page3265 / 3378
Map ReferenceMB 12 PG 9&9A
Instrument DateSep 1, 2022
Instrument20220040038
Transaction TypeTransfer
Record UpdatedFeb 20, 2024
Title CompanyEMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,801.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8031 LEGEND CREEK DR, MIRAMAR BEACH, FL 32550-7825

Transferred To (Grantee/Buyer)

NameVerified Name
Address82 VANTAGE PT, MIRAMAR BEACH, FL 32550-5804

Mortgage

Document Number0032653380
DateSep 6, 2022
Instrument3265/3380
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2052

June 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionWALTON FL
Recording DateJun 24, 2020
Property Address392 BAY TREE DR, MIRAMAR BEACH, FL 32550-7865
Document Number0031472783
Book / Page003147 / 002783
Instrument DateJun 23, 2020
Instrument21833
Transaction TypeTransfer
Record UpdatedAug 3, 2020
Title CompanyACHIEVE TITLE SERVICES INC, ACHIEVE TITLE SVCS INC

Transaction

AmountAmount Recorded
Tax$2,065.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address8031 LEGEND CREEK DR MIRAMAR BEACH FL 325507825, MIRAMAR BEACH, FL 32550-7825

March 2020: Court-Ordered Deed, Foreclosure

Document TypeCourt-Ordered Deed
JurisdictionWALTON FL
Recording DateMar 30, 2020
Property Address392 BAY TREE DR, MIRAMAR BEACH, FL 32550-7865
Document Number0031381837
Book / Page003138 / 001837
Instrument DateMar 3, 2020
Instrument11484
Transaction TypeForeclosure
Record UpdatedJun 4, 2020
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$1,665.00
Additional
  • Lis Pendens

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1406 N DALE MABRY HWY #300 TAMPA FL 336072506, 300, TAMPA, FL 33607-2506
InvestorPossibly a Property Investor

February 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWALTON FL
Property Address392 BAY TREE DR, MIRAMAR BEACH, FL 32550-7865
Document Number0030341309
Book / Page003034 / 001309
Instrument DateFeb 17, 2017
Transaction TypeMortgage
Record UpdatedApr 6, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
Address392 BAY TREE DR MIRAMAR BEACH FL 325507865, MIRAMAR BEACH, FL 32550-7865

Mortgage

Document Number0030341309
DateFeb 28, 2017
Book Page003034/001309
Instrument5952
Lender
NameLOW VA RATES LLC
Address384 S 400 W # 100, LINDON, UT 84042-1957
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueFeb 27, 2047

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,834.00 (-13.04%)$424,352 (-7.02%) Land $85,000 Building $339,352$424,352 (-7.02%) Land $85,000 Building $339,352
2024$4,409.00 (+6.32%)
2023$4,147.00 (+21.79%)$456,407 (+9.43%) Land $53,735 Building $402,672$456,407 (+9.43%) Land $53,735 Building $402,672
2022$3,405.00$417,090 Land $59,646 Building $357,444$417,090 Land $59,646 Building $357,444

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 428 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies645 units insured
incl. 217 condo units
Nearby Flood Claims23 (1998–2024)
Claims Outside the SFHA10 of 23
Most Recent ClaimSep 2024 · rainfall accumulation
Claims by Event
  • Hurricane Sally, Sep 2020 · 3 claims
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 6 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 RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSOUTH WALTON UTILITY COMPANY
private · serves 26,668 people · EPA ID FL1660615
Water SourceGroundwater
Last State InspectionFeb 2026
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 337 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cox Communications
Fiber · Cable in parts of the area		2,000 / 35
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: CenturyLink, LiveOak Fiber, Mediacom Xtream, Wildstar Networks.

Nearby Properties on Bay Tree Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures