Walton County property record for 428 Bay Tree Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,700 sqft · built 1998 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $530,000 (Sep 2024) |
| Tax Bill | $4,318 (2024) |
| Deeds & Mortgages | May 2022 Sale Mar 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2S-21-42406-000-0190 |
| Primary APN | 28-2S-21-42406-000-0190 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,700 sqft Living Area |
| Gross Area | 2,432 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 9.5 ft deep x 6.9 ft wide |
| Garage Type | Finished |
| Garage Area | 480 sqft |
| Porch | Porch |
| Porch Area | 252 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1060602 |
|---|---|
| Street Address | 428 BAY TREE DR |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-7868 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 19 TREETOPS AT BAYSIDE PH 2 PB 12-9 OR 1989-145 OR 2630-3513 OR 3218-3206 OR 3242-2203 OR 3251-1551 OR 3335-4608 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | TREETOPS AT BAYSIDE |
| Legal Phase | 2 |
| Legal Lot Number | 19 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2006 |
| 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 |
|---|---|
| Mailing Address | 428 BAY TREE DR, MIRAMAR BEACH, FL 32550-7868 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 6, 2022 | Warranty Deed, Subdivision Related Transfer MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW AND TITLE |
| Mar 9, 2022 | Warranty Deed, Transfer AQUA TITLE SERVICES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2024 · Amount on Record |
| Deed Sale | Sep 12, 2024 · Amount on Record |
| Prior Sale | May 6, 2022 · Amount on Record |
| Deed Document Number | 20240032224 |
| Deed Book / Page | 3335 / 4608 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | May 6, 2022 |
| Property Address | 428 BAY TREE DR, MIRAMAR BEACH, FL 32550-7868 |
| Document Number | 0032511551 |
| Book / Page | 3251 / 1551 |
| Map Reference | MB 12 PG 9&9A |
| Instrument Date | May 5, 2022 |
| Instrument | 20220021764 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW AND TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,703.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14 TWIN BAY DR, HENDERSONVILLE, TN 37075 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 6873, MIRAMAR BEACH, FL 32550-1015 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 9, 2022 |
| Property Address | 428 BAY TREE DR, MIRAMAR BEACH, FL 32550-7868 |
| Document Number | 0032422203 |
| Book / Page | 3242 / 2203 |
| Map Reference | MB 12 PG 9&9A |
| Instrument Date | Mar 1, 2022 |
| Instrument | 20220011240 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | AQUA TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,817.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11275 US HIGHWAY 98 W # W6-189, W6-189, MIRAMAR BEACH, FL 32550-6954 |
| Name | Verified Name |
|---|---|
| Address | 144 TWIN BAY DR, HENDERSONVILLE, TN 37075-4015 |
| Investor | Possibly a Property Investor |
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 | $417,211 (-6.54%) Land $85,000 Building $332,211 | $417,211 (-6.54%) Land $85,000 Building $332,211 | |
| 2024 | $4,318.00 (+6.46%) | ||
| 2023 | $4,056.00 (+7.19%) | $446,418 (+9.33%) Land $53,735 Building $392,683 | $446,418 (+9.33%) Land $53,735 Building $392,683 |
| 2022 | $3,784.00 | $408,320 Land $59,646 Building $348,674 | $408,320 Land $59,646 Building $348,674 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
|
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 | 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.
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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures