41 Mello Way, Miramar Beach, FL 32550 Property Records

Walton County property record for 41 Mello Way, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	7 bd · 7 ba · 2,985 sqft · built 2020
Lot Size	0.106 acres (4,617 sqft)
Owner	Company Name on Record
Last Sale	$1,850,000 (Mar 2023)
Tax Bill	$13,985 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Mar 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42970-000-0190`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42970-000-0190`
Alternative APNs	`30-221-42970-000-0190` `1085776`

Interior

Bedrooms	7 Beds
Full Baths	7 Baths
Stories	3 Stories
Building Area	2,985 sqft Living Area
Gross Area	3,536 sqft
1st Floor Area	844 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	4,617 sqft (0.106 acres)
Lot Dimensions	75 ft deep x 62 ft wide
Garage Type	Attached
Garage Area	177 sqft
Porch	Finished/Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	41 MELLO WAY
City	MIRAMAR BEACH
State	FL
Zip	32550-7175
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NI
Legal Description	LOT 19 RETREAT AT MIRAMAR PB 20-11 OR 3141-1327 OR 3209-1658 OR 3236-276 OR 3283-1359 OR 3299-493
Legal Range	021
Legal Township	02S
Legal Section	30
Legal Subdivision	MIRAMAR
Legal Block	1
Legal Lot Number	19
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2005
Census Tract	950608

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	2000 POINT DE VUE DR, FLOWER MOUND, TX 75022-5596
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2023	Quit Claim Deed, Transfer · Conventional Mortgage CITIBANK NA
Mar 15, 2023	Warranty Deed, Transfer · Conventional Mortgage KEY BANK NA
Jan 26, 2022	Warranty Deed, Transfer EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC
Jul 29, 2021	Warranty Deed, Transfer MCNEESE TITLE LLC
Apr 29, 2020	Special Warranty Deed, Transfer · Commercial Mortgage COMMUNITY FINANCIAL SERVICES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2023 · Amount on Record
Deed Sale	Mar 15, 2023 · Amount on Record
Prior Sale	Jan 26, 2022 · Amount on Record
Deed Document Number	20238759
Deed Book / Page	3283 / 1359
Last Transfer Date	Aug 7, 2023
Transfer Doc	0032990493
Record Updated	Sep 20, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Aug 16, 2023
Property Address	41 MELLO WAY, MIRAMAR BEACH, FL 32550-7175
Document Number	0032990493
Book / Page	3299 / 493
Map Reference	MB 20 PG 11
Instrument Date	Aug 7, 2023
Instrument	20230029377
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2000 POINT DE VUE DR, FLOWER MOUND, TX 75022-5596

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 POINT DE VUE DR, FLOWER MOUND, TX 75022-5596

Mortgage

Document Number	0003299495
Date	Aug 16, 2023
Instrument	3299/495

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 15, 2023
Property Address	41 MELLO WAY, MIRAMAR BEACH, FL 32550-7175
Document Number	0032831359
Book / Page	3283 / 1359
Map Reference	MB 20 PG 11
Instrument Date	Mar 13, 2023
Instrument	20230008759
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25017 WOOD THRUSH CIR, HUDSON, IL 61748-7511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 POINT DE VUE DR, FLOWER MOUND, TX 75022-5596

Mortgage

Document Number	0032831361
Date	Mar 15, 2023
Instrument	3283/1361

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.5%
Index	Other
Margin	3
Max Rate	11.5%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 26, 2022
Property Address	41 MELLO WAY, MIRAMAR BEACH, FL 32550-7175
Document Number	0032360276
Book / Page	3236 / 276
Map Reference	MB 20 PG 11
Instrument Date	Jan 24, 2022
Instrument	20220003770
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$12,180.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8398 HAWKS GULLY AVE, DELRAY BEACH, FL 33446-9677

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25017 WOOD THRUSH CIR, HUDSON, IL 61748-7511

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 29, 2021
Property Address	41 MELLO WAY, MIRAMAR BEACH, FL 32550-7175
Document Number	0032091658
Book / Page	3209 / 1658
Map Reference	MB 20 PG 11
Instrument Date	Jul 26, 2021
Instrument	20210037992
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$10,325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3510 PARK AVE, PADUCAH, KY 42001-9144

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 HAMMOCK TRL E APT G107, G107, FREEPORT, FL 32439-7674

April 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 29, 2020
Property Address	41 MELLO WAY, MIRAMAR BEACH, FL 32550-7175
Document Number	0031411327
Book / Page	3141 / 1327
Map Reference	MB 20 PG 11
Instrument Date	Apr 28, 2020
Instrument	20200014687
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	BURKE LAW AND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,930.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	102 N COURT SQ, 102, ABBEVILLE, AL 36310-2100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3150 FISHER RD, WEST PADUCAH, KY 42086-9796

Mortgage

Document Number	0031411329
Date	Apr 29, 2020
Instrument	3141/1329

Lender

Name	COMMUNITY FINANCIAL SERVICES BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Apr 28, 2045

Interest

Rate Type	Adjustable Rate

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	$13,985.00 (-1.98%)	$1,547,841 (+6.51%) Land $141,750 Building $1,406,091	$1,547,841 (+6.51%) Land $141,750 Building $1,406,091
2024	$14,267.00 (+8.05%)
2023	$13,204.00 (+23.34%)	$1,453,185 (+25.79%) Land $116,270 Building $1,336,915	$1,453,185 (+25.79%) Land $116,270 Building $1,336,915
2022	$10,705.00	$1,155,226 Land $129,060 Building $1,026,166	$1,155,226 Land $129,060 Building $1,026,166

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
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.

Wildfire

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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 437 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
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Wildstar Networks.

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