Walton County property record for 40 Bay Tree Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,632 sqft · built 1995 |
| Lot Size | 0.126 acres (5,489 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $3,342 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2S-21-42401-00B-0020 |
| Primary APN | 28-2S-21-42401-00B-0020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,632 sqft Living Area |
| Gross Area | 2,227 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,489 sqft (0.126 acres) |
| Lot Dimensions | 10 ft deep x 5.3 ft wide |
| Garage Type | Finished |
| Garage Area | 475 sqft |
| Porch | Porch |
| Porch Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1060421 |
|---|---|
| Street Address | 40 BAY TREE DR |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-4881 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 BLK B TREETOPS AT BAYSIDE PB 10-23 OR 1275-302 OR 2336A-975 &-977 OR 2812-933 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | TREETOPS AT BAYSIDE |
| Legal Block | B |
| Legal Lot Number | 2 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 5425 OSPREY ISLE LN, ORLANDO, FL 32819-4073 |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 24, 2009 |
| Deed Sale | Feb 24, 2009 |
| Deed Document Number | 0002812933 |
| Deed Book / Page | 2336 / 0977 |
| Prior Transfer Date | Jul 5, 2001 |
| Prior Transfer Doc | 676357 |
| Record Updated | Jun 8, 2026 |
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 | $390,996 (+6.25%) Land $85,000 Building $305,996 | $390,996 (+6.25%) Land $85,000 Building $305,996 | |
| 2024 | $3,342.00 (+9.25%) | ||
| 2023 | $3,059.00 (+7.07%) | $367,988 (+8.62%) Land $53,735 Building $314,253 | $367,988 (+8.62%) Land $53,735 Building $314,253 |
| 2022 | $2,857.00 | $338,781 Land $59,646 Building $279,135 | $338,781 Land $59,646 Building $279,135 |
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 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 99.8% of the US · lower than 99.7% 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.
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 303 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: CenturyLink, LiveOak Fiber, Mediacom Xtream, T-Mobile, Wildstar Networks.
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