41 Payne St, Miramar Beach, FL 32550 Property Records

Walton County property record for 41 Payne St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,466 sqft · built 2016
Lot Size	0.101 acres (4,443 sqft)
Owner	Individual Name on Record
Last Sale	$812,500 (Apr 2020)
Tax Bill	$10,368 (2024)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42660-000-0080`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42660-000-0080`
Alternative APN	`1068011`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	2,466 sqft Living Area
Gross Area	3,264 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2016
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,443 sqft (0.101 acres)
Lot Dimensions	10.1 ft deep x 4.4 ft wide
Garage Type	Finished
Garage Area	408 sqft

Exterior Amenities

Porch	Porch
Porch Area	390 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1068011
Street Address	41 PAYNE ST
City	MIRAMAR BEACH
State	FL
Zip	32550-5295
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 TREASURE SANDS S/D PB 17-100 OR 2805-3376 OR 2822-3947 OR 2935-2676 OR 3005-1167 OR 3028-3308 OR 3138-3992
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	TREASURE SANDS S/D
Legal Lot Number	8
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2011
Census Tract	950608

Owner

Source: Walton County records, as of December 17, 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
Co-owner	Co-owner on Record
Mailing Address	13008 MAIDA VALE LN, HASLET, TX 76052-5114
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage COLTEN MORTGAGE
Apr 3, 2020	Warranty Deed, Transfer · Conventional Mortgage COLTEN MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2020 · Amount on Record
Deed Sale	Apr 3, 2020 · Amount on Record
Prior Sale	Dec 19, 2016 · Amount on Record
Deed Document Number	20200011978
Deed Book / Page	3138 / 3992
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	41 PAYNE ST, MIRAMAR BEACH, FL 32550-5295
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13008 MALDA VALE LANE, HASLET, TX 76052-5114

Mortgage

Document Number	0032362976
Date	Jan 31, 2022
Book Page	3236/2976
Instrument	20220004414

Lender

Name	COLTEN MORTGAGE
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 3, 2020
Property Address	41 PAYNE ST, MIRAMAR BEACH, FL 32550-5295
Document Number	0031383992
Book / Page	3138 / 3992
Map Reference	MB 17 PG 100
Instrument Date	Apr 2, 2020
Instrument	20200011978
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,687.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 70818, MYRTLE BEACH, SC 29572-0032

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5119 FOX SPARROW RD, PARKER, CO 80134-2816

Mortgage

Document Number	0031383993
Date	Apr 3, 2020
Instrument	3138/3993

Lender

Name	COLTEN MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$1,112,628 (-19.76%) Land $149,458 Building $963,170	$1,112,628 (-19.76%) Land $149,458 Building $963,170
2024	$10,368.00 (+4.15%)
2023	$9,955.00 (+8.02%)	$1,386,553 (+10.74%) Land $149,458 Building $1,237,095	$1,386,553 (+10.74%) Land $149,458 Building $1,237,095
2022	$9,216.00	$1,252,109 Land $165,899 Building $1,086,210	$1,252,109 Land $165,899 Building $1,086,210

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

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	P32 “Moreno Point”
Unit Type	System Unit
Designated	Oct 18, 1982
NFIP Eligibility	Not eligible (built 2016) built after the Oct 1, 1983 cutoff · private flood insurance only

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 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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