45 Payne St, Miramar Beach, FL 32550 Property Records

Walton County property record for 45 Payne St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,466 sqft · built 2017
Lot Size	0.107 acres (4,661 sqft)
Owner	2 Company Names on Record
Last Sale	$680,000 (Feb 2017)
Tax Bill	$9,378 (2025)
Deeds & Mortgages	Mar 2024 Transfer May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42660-000-0070`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42660-000-0070`
Alternative APNs	`30-221-42660-000-0070` `1068010`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	2,466 sqft Living Area
Gross Area	3,306 sqft
1st Floor Area	630 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,661 sqft (0.107 acres)
Lot Dimensions	106 ft deep x 44 ft wide
Garage Type	Attached
Garage Area	402 sqft
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	432 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	45 PAYNE ST
City	MIRAMAR BEACH
State	FL
Zip	32550-5295
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 TREASURE SANDS S/D PB 17-100 OR 2805-3376 OR 2822-3947 OR 2935-2676 OR 3005-1150 OR 3034-781 OR 3318-2353
Legal Range	021
Legal Township	02S
Legal Section	30
Legal Subdivision	TREASURE SANDS
Legal Lot Number	7
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2011
Census Tract	950608

Owner

Source: Walton County records, as of December 3, 2025

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

Owner of Record	2 Company Names on Record
Mailing Address	13223 E JUAN TABO RD, SCOTTSDALE, AZ 85255-0465
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2024	Intrafamily Transfer, Transfer
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Feb 27, 2017	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2017 · Amount on Record
Deed Sale	Feb 27, 2017 · Amount on Record
Prior Sale	Mar 25, 2016 · Amount on Record
Deed Document Number	20175825
Deed Book / Page	3034 / 781
Last Transfer Date	Dec 7, 2023
Transfer Doc	0033182353
Record Updated	Jun 8, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Mar 15, 2024
Property Address	45 PAYNE ST, MIRAMAR BEACH, FL 32550-5295
Document Number	0033182353
Book / Page	3318 / 2353
Map Reference	MB 17 PG 100
Instrument Date	Dec 7, 2023
Instrument	20240009050
Transaction Type	Transfer
Record Updated	May 16, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13223 E JUAN TABO RD, SCOTTSDALE, AZ 85255-0465

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13223 E JUAN TABO RD, SCOTTSDALE, AZ 85255-0465

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	45 PAYNE ST, MIRAMAR BEACH, FL 32550-5295
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031430465
Date	May 18, 2020
Book Page	3143/465
Instrument	20200016641

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 27, 2017
Property Address	45 PAYNE ST, MIRAMAR BEACH, FL 32550-5295
Document Number	0030340781
Book / Page	003034 / 000781
Instrument Date	Feb 24, 2017
Instrument	5825
Transaction Type	Transfer
Record Updated	Oct 2, 2017
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,760.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11820 WILLOW RIDGE DR WILLOW SPRINGS IL 604801135, WILLOW SPRINGS, IL 60480-1135

Mortgage

Document Number	30340783
Date	Feb 27, 2017
Book Page	003034/000783
Instrument	5826

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 26, 2037

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,378.00 (-8.32%)	$1,115,345 (-19.76%) Land $149,463 Building $965,882	$1,115,345 (-19.76%) Land $149,463 Building $965,882
2024	$10,229.00 (+4.57%)
2023	$9,782.00 (+7.98%)	$1,390,053 (+10.71%) Land $149,463 Building $1,240,590	$1,390,053 (+10.71%) Land $149,463 Building $1,240,590
2022	$9,059.00	$1,255,561 Land $165,904 Building $1,089,657	$1,255,561 Land $165,904 Building $1,089,657

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

Flood

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 203 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	706 units insured incl. 503 condo units
Nearby Flood Claims	3 (2014–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2020 · Hurricane Sally

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	P32 “Moreno Point”
Unit Type	System Unit
Designated	Oct 18, 1982
NFIP Eligibility	Not eligible (built 2017) built after the Oct 1, 1983 cutoff · private flood insurance only

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.

Wildfire

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.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 437 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Wildstar Networks.

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