40 Ruth St, Miramar Beach, FL 32550 Property Records

Walton County property record for 40 Ruth St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,259 sqft · built 2019
Lot Size	0.114 acres (5,009 sqft)
Owner	2 Individual Names on File
Last Sale	$555,000 (Jan 2020)
Tax Bill	$7,782 (2024)
Deeds & Mortgages	Jan 2020 Sale Nov 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00E-0040`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00E-0040`
Alternative APN	`1071825`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,259 sqft Living Area
Gross Area	3,047 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,009 sqft (0.114 acres)
Lot Dimensions	10 ft deep x 5 ft wide
Garage Type	Finished
Garage Area	484 sqft
Porch	Porch
Porch Area	304 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1071825
Street Address	40 RUTH ST
City	MIRAMAR BEACH
State	FL
Zip	32550
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLK E FRANGISTA BEACH 2ND ADD PB 3-41 OR 1754-243 OR 2619-2550 OR 2621-4239 OR 2915-3504 OR 2931-2801 OR 2964-3674 OR
Legal Range	21W
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BCH 2ND ADD S/D
Legal Block	E
Legal Lot Number	4
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1035
Census Tract	950609

Owner

Source: Walton County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1951 H D ATHA RD, MONROE, GA 30655-5669
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2020	Grant Deed, Transfer MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE LLC
Nov 21, 2017	Warranty Deed, Transfer BURKE LAW AND TITLE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 15, 2020 · Amount on Record
Deed Sale	Jan 15, 2020 · Amount on Record
Prior Sale	Nov 18, 2014 · Amount on Record
Deed Document Number	20200001532
Deed Book / Page	3130 / 1130
Record Updated	Jun 8, 2026

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	Jan 15, 2020
Property Address	40 RUTH ST, MIRAMAR BEACH, FL 32550
Document Number	0031301130
Book / Page	003130 / 001130
Instrument Date	Jan 14, 2020
Instrument	1532
Transaction Type	Transfer
Record Updated	Feb 13, 2020
Title Company	MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$3,885.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1951 H D ATHA RD MONROE GA 306555669, MONROE, GA 30655-5669

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 21, 2017
Property Address	40 RUTH ST, MIRAMAR BEACH, FL 32550
Document Number	0030580267
Book / Page	003058 / 000267
Instrument Date	Nov 20, 2017
Instrument	38507
Transaction Type	Transfer
Record Updated	Dec 6, 2017
Title Company	BURKE LAW AND TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$5,929.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1201 DRIFTWOOD POINT RD SANTA ROSA BEACH FL 324593030, SANTA ROSA BEACH, FL 32459-3030
Investor	Possibly a Property Investor

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		$952,695 (-12.74%) Land $400,000 Building $552,695	$952,695 (-12.74%) Land $400,000 Building $552,695
2024	$7,782.00 (+4.05%)
2023	$7,479.00 (+13.66%)	$1,091,766 (+20.4%) Land $450,000 Building $641,766	$1,091,766 (+20.4%) Land $450,000 Building $641,766
2022	$6,580.00	$906,792 Land $283,050 Building $623,742	$906,792 Land $283,050 Building $623,742

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
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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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: Lumen Technologies, T-Mobile USA, Wildstar Networks.

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