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

Walton County property record for 443 Bay Tree Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,457 sqft · built 2000
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$188,000 (Oct 2012)
Tax Bill	$1,491 (2025)
Deeds & Mortgages	Feb 2026 Transfer
Flood Zone	Zone X (moderate risk)
APN	`28-2S-21-42406-000-0250`

Property Details

APN / Parcel Number

Primary APN	`28-2S-21-42406-000-0250`
Alternative APNs	`28-221-42406-000-0250` `1060608`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,457 sqft Living Area
Gross Area	2,216 sqft
1st Floor Area	1,457 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	87 ft deep x 59 ft wide
Garage Type	Attached
Garage Area	460 sqft
Porch	Finished Screened Porch
Porch Area	299 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	443 BAY TREE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-7867
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 25 TREETOPS AT BAYSIDE PHASE 11 PB 12-9 OR 2256-147 OR 2515-584 OR 2655-4418 OR 2901-2364
Legal Range	021
Legal Township	02S
Legal Section	28
Legal Subdivision	BAYSIDE PHASE 11
Legal Phase	11
Legal Block	2
Legal Lot Number	25
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-21-42406-000-0250

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

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

Owner of Record	2 Individual Names on File
Mailing Address	443 BAY TREE DR, MIRAMAR BEACH, FL 32550-7867
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 02, 2012 · Amount on Record
Deed Sale	Oct 02, 2012 · Amount on Record
Prior Sale	Jul 02, 2003 · Amount on Record
Deed Document Number	201211077
Deed Book / Page	2901 / 2364
Prior Transfer Date	Dec 16, 2004
Prior Transfer Doc	0026554418
Record Updated	Jun 08, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Feb 10, 2026
Property Address	443 BAY TREE DR, MIRAMAR BEACH, FL 32550-7867
Document Number	0033864222
Book / Page	3386 / 4222
Map Reference	MB 12 PG 9&9A
Instrument Date	Feb 10, 2026
Instrument	20260005028
Transaction Type	Transfer
Record Updated	Feb 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	443 BAY TREE DR, MIRAMAR BEACH, FL 32550-7867

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	443 BAY TREE DR, MIRAMAR BEACH, FL 32550-7867

Tax Assessment & Valuation

Source: Walton County records · Assessment roll updated December 3, 2025 · Last verified April 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	$1,491.00 (+2.26%) Homeowner's exemption	$203,659 (-51.67%)	$394,753 (-6.31%) Land $85,000 Building $309,753
2024	$1,458.00 (+4.37%)
2023	$1,397.00 (+1.6%) Homeowner's exemption	$421,361 (+9.18%) Land $53,735 Building $367,626	$421,361 (+9.18%) Land $53,735 Building $367,626
2022	$1,375.00 Homeowner's exemption	$385,932 Land $59,646 Building $326,286	$385,932 Land $59,646 Building $326,286

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Walton County (12131C), updated June 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121319506092, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	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, availability as of December 31, 2025 · sampled at 337 locations within half a mile · 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.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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.