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

Walton County property record for 442 Bay Tree Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,694 sqft · built 1999
Lot Size	0.167 acres (7,275 sqft)
Owner	Individual Name on File
Last Sale	$333,000 (May 2018)
Tax Bill	$2,414 (2025)
Deeds & Mortgages	May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-2S-21-42406-000-0210`

Property Details

APN / Parcel Number

Primary APN	`28-2S-21-42406-000-0210`
Alternative APNs	`28-221-42406-000-0210` `1060604`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,694 sqft Living Area
Gross Area	2,337 sqft
1st Floor Area	1,694 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	7,275 sqft (0.167 acres)
Lot Dimensions	97 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	441 sqft
Porch	Slab
Porch Area	202 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	442 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 21 TREETOPS AT BAYSIDE PH II PB 12-9 OR 2078-142 OR 2143-6 OR 2769-135 OR 3072-2061
Legal Range	021
Legal Township	02S
Legal Section	28
Legal Subdivision	BAYSIDE PH II
Legal Phase	2
Legal Block	2
Legal Lot Number	21
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2006
Census Tract	950609

Owner

Source: Walton County records · APN 28-2S-21-42406-000-0210

Assessment roll updated December 3, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	442 BAY TREE DR, MIRAMAR BEACH, FL 32550-7868
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 02, 2018 · Amount on Record
Deed Sale	May 02, 2018 · Amount on Record
Prior Sale	Jul 30, 2007 · Amount on Record
Deed Document Number	201814243
Deed Book / Page	3072 / 2061
Record Updated	Sep 20, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 02, 2018
Property Address	442 BAY TREE DR, MIRAMAR BEACH, FL 32550-7868
Document Number	0030722061
Book / Page	3072 / 2061
Map Reference	MB12 PG9
Instrument Date	Apr 27, 2018
Instrument	2018000014243
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	EMERALD COAST TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9330 MEADOW HUNT WAY, 9330, WINTER GARDEN, FL 34787-0038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 TRISTA TERRACE CT, DESTIN, FL 32541-3713

Mortgage

Document Number	2018000014244
Date	May 02, 2018
Instrument	2018000014244

Lender

Name	FEMBI MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2048

Tax Assessment & Valuation

Source: Walton County records · Assessment roll updated December 3, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,414.00 (+2.07%) Homeowner's exemption	$305,820 (-32.59%)	$421,974 (-6.99%) Land $85,000 Building $336,974
2024	$2,365.00 (+4.05%)
2023	$2,273.00 (+1.38%) Homeowner's exemption	$453,690 (+9.39%) Land $53,735 Building $399,955	$453,690 (+9.39%) Land $53,735 Building $399,955
2022	$2,242.00 Homeowner's exemption	$414,742 Land $59,646 Building $355,096	$414,742 Land $59,646 Building $355,096

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 18, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, 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	Hurricane Sally, Sep 2020 · 3 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 6 claims

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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: LiveOak Fiber, Lumen Technologies, Mediacom Communications, Wildstar Networks.

Based on FCC filings for 337 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.