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

Walton County property record for 408 Bay Tree Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,662 sqft · built 1999
Lot Size	0.117 acres (5,097 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Apr 2021)
Tax Bill	$2,522 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-2S-21-42406-000-0170`

Property Details

APN / Parcel Number

Primary APN	`28-2S-21-42406-000-0170`
Alternative APNs	`28-221-42406-000-0170` `1060600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,662 sqft Living Area
Gross Area	2,335 sqft
1st Floor Area	1,662 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,097 sqft (0.117 acres)
Lot Dimensions	90 ft deep x 57 ft wide
Garage Type	Attached
Garage Area	440 sqft
Porch	Finished Screened Porch
Porch Area	233 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	408 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 17 TREETOPS AT BAYSIDE PHASE II PB 12-9 OR 2023-389 OR 2950-3527 OR 3193-2814
Legal Range	021
Legal Township	02S
Legal Section	28
Legal Subdivision	BAYSIDE PHASE II
Legal Phase	2
Legal Block	1
Legal Lot Number	17
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2006
Census Tract	950609

Owner

408 Bay Tree Dr is owned and occupied by an individual who bought it in April 2021.

Source: Walton County records, as of December 3, 2025

Owner of Record	Individual Name on File
Mailing Address	408 BAY TREE DR, MIRAMAR BEACH, FL 32550-7868
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2021 · Amount on File
Deed Sale	Apr 19, 2021 · Amount on File
Deed Document Number	202119018
Deed Book / Page	3193 / 2814
Prior Transfer Date	May 12, 2014
Prior Transfer Doc	0029503527
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 19, 2021
Property Address	408 BAY TREE DR, MIRAMAR BEACH, FL 32550-7868
Document Number	0031932814
Book / Page	3193 / 2814
Map Reference	MB 12 PG 9&9A
Instrument Date	Apr 16, 2021
Instrument	20210019018
Transaction Type	Transfer
Record Updated	Feb 20, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	716 PARK AVE N # 88, 88, PARK RAPIDS, MN 56470-1100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 BOTANY BLVD, SANTA ROSA BEACH, FL 32459-3176

Mortgage

Document Number	0031932816
Date	Apr 19, 2021
Instrument	3193/2816

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 408 Bay Tree Dr was $2,522 with a homeowner's exemption, up 2.1% from the year before.

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	$2,522.00 (+2.11%) Homeowner's exemption	$317,731	$408,984 Land $85,000 Building $323,984
2024	$2,470.00 (+4%)
2023	$2,375.00 (+1.37%) Homeowner's exemption	$438,301 (+9.29%) Land $53,735 Building $384,566	$438,301 (+9.29%) Land $53,735 Building $384,566
2022	$2,343.00 Homeowner's exemption	$401,062 Land $59,646 Building $341,416	$401,062 Land $59,646 Building $341,416

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 408 Bay Tree Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 408 Bay Tree Dr is low, with less than a 0.01% annual chance of 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.