Walton County property record for 396 Bay Tree Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,759 sqft · built 2001 |
| Lot Size | 0.153 acres (6,665 sqft) |
| Owner | Trust Name on Record |
| Last Sale | $302,000 (May 2018) |
| Tax Bill | $4,246 (2024) |
| Deeds & Mortgages | Mar 2022 Line of Credit May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 28-2S-21-42406-000-0150 |
| Primary APN | 28-2S-21-42406-000-0150 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,759 sqft Living Area |
| Gross Area | 2,519 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 6,665 sqft (0.153 acres) |
| Lot Dimensions | 9 ft deep x 7.4 ft wide |
| Garage Type | Finished |
| Garage Area | 516 sqft |
| Porch | Porch |
| Porch Area | 244 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1060598 |
|---|---|
| Street Address | 396 BAY TREE DR |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-7865 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 15 TREETOPS AT BAYSIDE PHASE II PB 12-9 OR 2313-1962 OR 2355-95 OR 3074-3818 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | TREETOPS AT BAYSIDE |
| Legal Phase | 2 |
| Legal Lot Number | 15 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 950609 |
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 | Trust Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 459 MCKINLEY AVE, GROSSE POINTE FARMS, MI 48236-3241 |
| Owner Type | Individual, Secondary Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Mar 17, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| May 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE 1 AT SUBURBAN |
| May 25, 2018 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 25, 2018 · Amount on Record |
| Deed Sale | May 25, 2018 · Amount on Record |
| Prior Sale | Oct 3, 2001 |
| Deed Document Number | 2018000017373 |
| Deed Book / Page | 3074 / 3818 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 396 BAY TREE DR, MIRAMAR BEACH, FL 32550-7865 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 396 BAY TREE DR, MIRAMAR BEACH, FL 32550-7865 |
| Document Number | 0032432799 |
|---|---|
| Date | Mar 17, 2022 |
| Book Page | 3243/2799 |
| Instrument | 20220012615 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 9, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 396 BAY TREE DR, MIRAMAR BEACH, FL 32550-7865 |
| Document Number | 0031443624 |
| Instrument Date | May 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 396 BAY TREE DR MIRAMAR BEACH FL 325507865, MIRAMAR BEACH, FL 32550-7865 |
| Document Number | 0031443624 |
|---|---|
| Date | Jun 1, 2020 |
| Book Page | 003144/003624 |
| Instrument | 18430 |
| Name | MORTGAGE 1 AT SUBURBAN |
|---|---|
| Type | Mortgage Company |
| Address | STERLING HEIGHTS, MI 48314 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 31, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | May 25, 2018 |
| Property Address | 396 BAY TREE DR, MIRAMAR BEACH, FL 32550-7865 |
| Document Number | 0030743818 |
| Book / Page | 3074 / 3818 |
| Map Reference | MB12 PG9 |
| Instrument Date | May 23, 2018 |
| Instrument | 2018000017373 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 329 SERINA CV, 329, DESTIN, FL 32541-0719 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 459 MCKINLEY AVE, GROSSE POINTE FARMS, MI 48236-3241 |
| Document Number | 2018000017374 |
|---|---|
| Date | May 25, 2018 |
| Instrument | 2018000017374 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2033 |
Source: Walton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $461,969 (-7.78%) Land $85,000 Building $376,969 | $461,969 (-7.78%) Land $85,000 Building $376,969 | |
| 2024 | $4,246.00 (+7.99%) | ||
| 2023 | $3,932.00 (+7.55%) | $500,961 (+9.73%) Land $53,735 Building $447,226 | $500,961 (+9.73%) Land $53,735 Building $447,226 |
| 2022 | $3,656.00 | $456,542 Land $59,646 Building $396,896 | $456,542 Land $59,646 Building $396,896 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 428 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 645 units insured incl. 217 condo units |
| Nearby Flood Claims | 23 (1998–2024) |
| Claims Outside the SFHA | 10 of 23 |
| Most Recent Claim | Sep 2024 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 337 locations within half a mile, as of December 31, 2025
| Provider | Max 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.
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