Walton County property record for 40 Topaz Cv, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,072 sqft · built 1994 |
| Lot Size | 0.097 acres (4,251 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $410,000 (Dec 2018) |
| Tax Bill | $6,129 (2024) |
| Deeds & Mortgages | Mar 2020 Mortgage Dec 2018 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42830-000-0500 |
| Primary APN | 30-2S-21-42830-000-0500 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,072 sqft Living Area |
| Gross Area | 2,576 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Concrete Tile |
| Lot Area | 4,251 sqft (0.097 acres) |
| Lot Dimensions | 7.8 ft deep x 1.7 ft wide |
| Porch | Porch |
| Porch Area | 504 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1068807 |
|---|---|
| Street Address | 40 TOPAZ CV |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-3703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 50 EMERALD SHORES OF SOUTH WALTON S/D PB 9-33 OR 1093-19 OR 3072-3554 OR 3091-1795 OR 3092-1087 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | EMERALD SHORES OF SOUTH WALTON |
| Legal Lot Number | 50 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 950608 |
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 102 GUILL CT, NASHVILLE, TN 37214-2507 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ASCEND FCU |
| Dec 11, 2018 | Warranty Deed, Transfer · ARM ASCEND FCU |
| Nov 30, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| May 4, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2018 · Amount on Record |
| Deed Sale | Dec 11, 2018 · Amount on Record |
| Prior Sale | Nov 30, 2018 |
| Deed Document Number | 2018000040944 |
| Deed Book / Page | 3092 / 1087 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 40 TOPAZ CV, MIRAMAR BEACH, FL 32550-3703 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031362359 |
|---|---|
| Date | Mar 13, 2020 |
| Book Page | 3136/2359 |
| Instrument | 20200009347 |
| Name | ASCEND FCU |
|---|---|
| Type | Credit Union |
| Address | TULLAHOMA, TN 37388 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Dec 11, 2018 |
| Property Address | 40 TOPAZ CV, MIRAMAR BEACH, FL 32550-3703 |
| Document Number | 0030921087 |
| Book / Page | 3092 / 1087 |
| Map Reference | MB 9 PG 33 |
| Instrument Date | Dec 7, 2018 |
| Instrument | 2018000040944 |
| 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 | 215 ORIENTAL RD, 215, WACO, TX 76710-7238 |
| Name | Verified Name |
|---|---|
| Address | 102 GUILL CT, NASHVILLE, TN 37214-2507 |
| Document Number | 2018000040945 |
|---|---|
| Date | Dec 11, 2018 |
| Instrument | 2018000040945 |
| Name | ASCEND FCU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Jan 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 9.5% |
| Index | 1-Year CMT |
| Margin | 4 |
| Max Rate | 9.5% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Nov 30, 2018 |
| Property Address | 40 TOPAZ CV, MIRAMAR BEACH, FL 32550-3703 |
| Document Number | 0030911795 |
| Book / Page | 003091 / 001795 |
| Instrument Date | Nov 14, 2018 |
| Instrument | 39796 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 215 ORIENTAL RD WACO TX 767107238, WACO, TX 76710-7238 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | May 4, 2018 |
| Property Address | 40 TOPAZ CV, MIRAMAR BEACH, FL 32550-3703 |
| Document Number | 0030723554 |
| Book / Page | 003072 / 003554 |
| Instrument Date | Mar 14, 2018 |
| Instrument | 14606 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 215 ORIENTAL RD WACO TX 767107238, WACO, TX 76710-7238 |
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 | $657,757 (-15.83%) Land $120,000 Building $537,757 | $657,757 (-15.83%) Land $120,000 Building $537,757 | |
| 2024 | $6,129.00 (+4.11%) | ||
| 2023 | $5,887.00 (+12.01%) | $781,435 (+18.08%) Land $105,440 Building $675,995 | $781,435 (+18.08%) Land $105,440 Building $675,995 |
| 2022 | $5,256.00 | $661,808 Land $117,039 Building $544,769 | $661,808 Land $117,039 Building $544,769 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 203 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 706 units insured incl. 503 condo units |
| Nearby Flood Claims | 3 (2014–2020) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
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 | 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.
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 657 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 | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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