Walton County property record for 41 Whitecap Way, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,548 sqft · built 2000 |
| Lot Size | 0.123 acres (5,358 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $687,000 (Nov 2023) |
| Tax Bill | $5,492 (2024) |
| Deeds & Mortgages | Nov 2023 Sale Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2S-21-42600-000-0220 |
| Primary APN | 28-2S-21-42600-000-0220 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,548 sqft Living Area |
| Gross Area | 2,164 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 5,358 sqft (0.123 acres) |
| Lot Dimensions | 9.6 ft deep x 5.6 ft wide |
| Garage Type | Finished |
| Garage Area | 420 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 196 sqft |
| Deck Area | Deck Area |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1060788 |
|---|---|
| Street Address | 41 WHITECAP WAY |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-7100 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 22 SEASPRAY PB 14-18 OR 2279-365 OR 2499-1090 OR 3056-542 OR 3308-4132 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | SEASPRAY |
| Legal Lot Number | 22 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 950609 |
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 | 41 WHITECAP WAY, MIRAMAR BEACH, FL 32550-7100 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 27, 2023 | Warranty Deed, Transfer METRO TITLE AND STLMT AGCY |
| Nov 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Oct 30, 2017 | Warranty Deed, Transfer JOEL E KOZIKOWSKI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 27, 2023 · Amount on Record |
| Deed Sale | Nov 27, 2023 · Amount on Record |
| Prior Sale | Oct 30, 2017 · Amount on Record |
| Deed Document Number | 20230042465 |
| Deed Book / Page | 3308 / 4132 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Nov 27, 2023 |
| Property Address | 41 WHITECAP WAY, MIRAMAR BEACH, FL 32550-7100 |
| Document Number | 0033084132 |
| Book / Page | 3308 / 4132 |
| Map Reference | MB 14 PG 18&18A |
| Instrument Date | Nov 17, 2023 |
| Instrument | 20230042465 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | METRO TITLE AND STLMT AGCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,809.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 137 PARK LAND DR, LAKE PLACID, FL 33852-5972 |
| Name | Verified Name |
|---|---|
| Address | 155 OSCEOLA AVE, DEER PARK, NY 11729-1703 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 41 WHITECAP WAY, MIRAMAR BEACH, FL 32550-7100 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 41 WHITECAP WAY, MIRAMAR BEACH, FL 32550-7100 |
| Document Number | 0031702242 |
|---|---|
| Date | Nov 24, 2020 |
| Book Page | 3170/2242 |
| Instrument | 20200048152 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Oct 30, 2017 |
| Property Address | 41 WHITECAP WAY, MIRAMAR BEACH, FL 32550-7100 |
| Document Number | 0030560542 |
| Book / Page | 003056 / 000542 |
| Instrument Date | Oct 27, 2017 |
| Instrument | 35813 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,250.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 11 PAYNE ST MIRAMAR BEACH FL 325503828, MIRAMAR BEACH, FL 32550-3828 |
| Document Number | 30560544 |
|---|---|
| Date | Oct 30, 2017 |
| Book Page | 003056/000544 |
| Instrument | 35814 |
| Name | JOEL E KOZIKOWSKI |
|---|---|
| Address | 2271 NE 44TH ST, LIGHTHOUSE POINT, FL 33064-7339 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 29, 2047 |
Source: Walton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $595,748 (+5.19%) Land $125,000 Building $470,748 | $595,748 (+5.19%) Land $125,000 Building $470,748 | |
| 2024 | $5,492.00 (+27.45%) | ||
| 2023 | $4,309.00 (+16.78%) | $566,355 (+23.35%) Land $84,441 Building $481,914 | $566,355 (+23.35%) Land $84,441 Building $481,914 |
| 2022 | $3,690.00 | $459,147 Land $93,729 Building $365,418 | $459,147 Land $93,729 Building $365,418 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 303 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: CenturyLink, LiveOak Fiber, Mediacom Xtream, T-Mobile, Wildstar Networks.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures