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

Walton County property record for 400 Bay Tree Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,650 sqft · built 1999
Lot Size	0.108 acres (4,704 sqft)
Owner	Company Name on Record
Last Sale	$255,000 (Apr 2015)
Tax Bill	$1,846 (2025)
Deeds & Mortgages	May 2019 Sale
Flood Zone	Zone X (moderate risk)
APN	`28-2S-21-42406-000-0160`

Property Details

APN / Parcel Number

Primary APN	`28-2S-21-42406-000-0160`
Alternative APNs	`28-221-42406-000-0160` `1060599`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,650 sqft Living Area
Gross Area	2,276 sqft
1st Floor Area	1,650 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,704 sqft (0.108 acres)
Lot Dimensions	101 ft deep x 47 ft wide
Garage Type	Attached
Garage Area	420 sqft

Exterior Amenities

Porch	Finished Screened Porch
Porch Area	206 sqft
Deck Area	112 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	400 BAY TREE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-7868
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 16 TREETOPS AT BAYSIDE PH II PB 12-9 OR 2013-333 OR 2975-4064 OR 3106-953
Legal Range	021
Legal Township	02S
Legal Section	28
Legal Subdivision	BAYSIDE PH II
Legal Phase	2
Legal Block	1
Legal Lot Number	16
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2006
Census Tract	950609

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 Record	Company Name on Record
Mailing Address	400 BAY TREE DR, MIRAMAR BEACH, FL 32550-7868
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2015 · Amount on Record
Deed Sale	Apr 8, 2015 · Amount on Record
Deed Document Number	20151317828
Deed Book / Page	2975 / 4064
Last Transfer Date	May 9, 2019
Transfer Doc	0031060953
Record Updated	Jun 8, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 22, 2019
Property Address	400 BAY TREE DR, MIRAMAR BEACH, FL 32550-7868
Document Number	0031060953
Book / Page	003106 / 000953
Instrument Date	May 9, 2019
Instrument	16501
Transaction Type	Transfer
Record Updated	Jun 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	400 BAY TREE DR MIRAMAR BEACH FL 325507868, MIRAMAR BEACH, FL 32550-7868

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 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	$1,846.00 (+2.27%) Homeowner's exemption Widower's exemption	$247,923 (-42.49%)	$402,874 (-6.54%) Land $85,000 Building $317,874
2024	$1,805.00 (+4.21%)
2023	$1,732.00 (-0.8%) Homeowner's exemption	$431,068 (+9.23%) Land $53,735 Building $377,333	$431,068 (+9.23%) Land $53,735 Building $377,333
2022	$1,746.00 Homeowner's exemption	$394,628 Land $59,646 Building $334,982	$394,628 Land $59,646 Building $334,982

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, 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	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 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.

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 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.