Walton County property record for 45 Bay Tree Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,517 sqft · built 1994 |
| Lot Size | 0.126 acres (5,489 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $288,000 (Sep 2019) |
| Tax Bill | $3,107 (2024) |
| Deeds & Mortgages | Mar 2021 Mortgage Dec 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2S-21-42401-00A-0040 |
| Primary APN | 28-2S-21-42401-00A-0040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,517 sqft Living Area |
| Gross Area | 2,042 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,489 sqft (0.126 acres) |
| Lot Dimensions | 10 ft deep x 5.4 ft wide |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Porch | Porch |
| Porch Area | 125 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1060400 |
|---|---|
| Street Address | 45 BAY TREE DR |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-4882 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 BLK A TREETOPS AT BAYSIDE PB 10-23 OR 1217-315 OR 2714-1292 OR 2935-2360 OR 2955-3250 OR 3117-4433 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | TREETOPS AT BAYSIDE |
| Legal Block | A |
| Legal Lot Number | 4 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 105 GORHAM DR, HUNTSVILLE, AL 35811-8646 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ZILLOW HOME LOANS LLC |
| Dec 11, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF KANSAS CITY |
| Sep 16, 2019 | Warranty Deed, Transfer · Conventional Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2019 · Amount on Record |
| Deed Sale | Sep 16, 2019 · Amount on Record |
| Prior Sale | Jul 25, 2014 · Amount on Record |
| Deed Document Number | 20190031755 |
| Deed Book / Page | 3117 / 4433 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 45 BAY TREE DR, MIRAMAR BEACH, FL 32550-4882 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 105 GORHAM DR, HUNTSVILLE, AL 35811-8646 |
| Document Number | 0031874476 |
|---|---|
| Date | Mar 16, 2021 |
| Book Page | 3187/4476 |
| Instrument | 20210012457 |
| Name | ZILLOW HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEAWOOD, KS 66211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 45 BAY TREE DR, MIRAMAR BEACH, FL 32550-4882 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0030592418 |
|---|---|
| Date | Dec 11, 2017 |
| Book Page | 3059/2418 |
| Instrument | 2017000040333 |
| Name | NATIONAL BANK OF KANSAS CITY |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Sep 16, 2019 |
| Property Address | 45 BAY TREE DR, MIRAMAR BEACH, FL 32550-4882 |
| Document Number | 0031174433 |
| Book / Page | 003117 / 004433 |
| Instrument Date | Sep 11, 2019 |
| Instrument | 31755 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,016.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 105 GORHAM DR HUNTSVILLE AL 358118646, HUNTSVILLE, AL 35811-8646 |
| Document Number | 31174435 |
|---|---|
| Date | Sep 16, 2019 |
| Book Page | 003117/004435 |
| Instrument | 31756 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 15, 2049 |
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 | $363,504 (+6.96%) Land $85,000 Building $278,504 | $363,504 (+6.96%) Land $85,000 Building $278,504 | |
| 2024 | $3,107.00 (+9.59%) | ||
| 2023 | $2,835.00 (+6.9%) | $339,846 (+8.28%) Land $53,735 Building $286,111 | $339,846 (+8.28%) Land $53,735 Building $286,111 |
| 2022 | $2,652.00 | $313,868 Land $59,646 Building $254,222 | $313,868 Land $59,646 Building $254,222 |
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 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 |
|
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 99.8% of the US · lower than 99.7% 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 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.
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