406 S Geronimo St, Miramar Beach, FL 32550 Property Records

Walton County property record for 406 S Geronimo St, Miramar Beach, FL 32550

Property Summary

Property Type	Commercial Office
Lot Size	0.258 acres (11,238 sqft)
Owner	Individual Name on Record
Last Sale	$173,000 (Jan 2015)
Tax Bill	$1,507 (2025)
Deeds & Mortgages	Apr 2025 Construction Loan Dec 2020 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`28-2S-21-42280-000-0303`

Property Details

APN / Parcel Number

Primary APN	`28-2S-21-42280-000-0303`
Alternative APNs	`28-221-42280-000-0303` `1060284`

Exterior

Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide

Location & Zoning

Street Address	406 S GERONIMO ST
City	MIRAMAR BEACH
State	FL
Zip	32550-4057
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Legal Description	COM NE/C LOT 30 S 235FT TO POB S 75FT, W 150FT, N 75 FT, E 150 FT TO POB. OR 2637-2685 OR 2965-292 OR 2968-2025 OR 3028-416
Legal Subdivision	S/D OF E1/4 OF LOT 2
Legal Block	3
Legal Lot Number	30
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1053
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	Individual Name on Record
Mailing Address	4053 INDIAN TRL, DESTIN, FL 32541-4325
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2025	Deed of Trust, Mortgage · Construction Mortgage FNBT BANK
Dec 18, 2020	Deed of Trust, Mortgage · Line of Credit FNBT BANK
Jul 29, 2020	Deed of Trust, Mortgage · Commercial Mortgage FNBT BANK
Apr 9, 2019	Loan Modification, Mortgage TRUSTMARK NAT'L BK
Mar 15, 2018	Loan Modification, Mortgage TRUSTMARK NAT'L BK
Nov 20, 2017	Loan Modification, Mortgage TRUSTMARK NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2015 · Amount on Record
Deed Sale	Jan 9, 2015 · Amount on Record
Prior Sale	Nov 21, 2014 · Amount on Record
Deed Document Number	20151307759
Deed Book / Page	2968 / 2025
Last Transfer Date	Dec 1, 2016
Transfer Doc	0030280416
Record Updated	Jun 8, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	406 S GERONIMO ST, MIRAMAR BEACH, FL 32550-4057
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4053 INDIAN TRL, DESTIN, FL 32541-4325

Mortgage

Document Number	0033560436
Date	Apr 21, 2025
Book Page	3356/436
Instrument	20250013542

Lender

Name	FNBT BANK
Type	Bank
Address	FORT WALTON BEACH, FL 32548

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	406 S GERONIMO ST, MIRAMAR BEACH, FL 32550-4057
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031741091
Date	Dec 18, 2020
Book Page	3174/1091
Instrument	20200052298

Lender

Name	FNBT BANK
Type	Bank
Address	FORT WALTON BEACH, FL 32549

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	406 S GERONIMO ST, MIRAMAR BEACH, FL 32550-4057
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031522594
Date	Jul 29, 2020
Book Page	3152/2594
Instrument	20200027579

Lender

Name	FNBT BANK
Type	Bank
Address	FORT WALTON BEACH, FL 32549

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2050

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	406 S GERONIMO ST, MIRAMAR BEACH, FL 32550-4057
Document Number	0031031732
Instrument Date	Apr 9, 2019
Transaction Type	Mortgage
Record Updated	May 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 363 DESTIN FL 325400363, DESTIN, FL 32540-0363

Mortgage

Document Number	0031031732
Date	Apr 24, 2019
Book Page	003103/001732
Instrument	12811

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	SANTA ROSA BEACH, FL 32459

Agreement

Term	12 Months
Due	Apr 23, 2020

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	406 S GERONIMO ST, MIRAMAR BEACH, FL 32550-4057
Document Number	0030700772
Instrument Date	Mar 15, 2018
Transaction Type	Mortgage
Record Updated	Jul 16, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	P.O BOX 363

Mortgage

Document Number	0030700772
Date	Apr 6, 2018
Book Page	003070/000772
Instrument	11102

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	SANTA ROSA BEACH, FL 32459

Agreement

Term	12 Months
Due	Apr 5, 2019

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	406 S GERONIMO ST, MIRAMAR BEACH, FL 32550-4057
Document Number	0030601364
Book / Page	003060 / 001364
Instrument Date	Nov 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 4, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	390 S GERONIMO ST #101 MIRAMAR BEACH FL 325507021, 101, MIRAMAR BEACH, FL 32550-7021

Mortgage

Document Number	0030601364
Date	Dec 19, 2017
Book Page	003060/001364
Instrument	41366

Lender

Name	TRUSTMARK NAT'L BK
Type	Bank
Address	SANTA ROSA BEACH, FL 32459

Agreement

Term	12 Months
Due	Dec 18, 2018

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	$1,507.00 (+10.73%)	$285,189 (+464.6%) Land $168,750 Building $116,439	$285,189 (+464.6%) Land $168,750 Building $116,439
2024	$1,361.00 (+197.16%)
2023	$458.00 (-10.02%)	$50,512 (-9.91%) Land $50,512	$50,512 (-9.91%) Land $50,512
2022	$509.00	$56,069 Land $56,069	$56,069 Land $56,069

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
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

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 138 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
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Wildstar Networks.

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