45 Penelope St, Miramar Beach, FL 32550 Property Records

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

Property Summary

Property Type	Single Family Home
Details	8 bd · 7 ba · 3,097 sqft · built 2021
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on Record
Last Sale	$2,100,000 (Jun 2023)
Tax Bill	$12,355 (2024)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00G-0120`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00G-0120`

Interior

Bedrooms	8 Beds
Full Baths	7 Baths
Stories	3 Stories
Building Area	3,097 sqft Living Area
Gross Area	3,811 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2021
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	11.5 ft deep x 5 ft wide
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	45 PENELOPE ST
City	MIRAMAR BEACH
State	FL
Zip	32550
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 BLK G FRANGISTA BEACH 2ND ADD OR 1754-243 OR 2696-2350 OR 3230-1819 OR 3293-863
Legal Range	21W
Legal Township	02S
Legal Section	32
Legal Block	G
Legal Lot Number	12
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1031
Census Tract	950609

Owner

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
Co-owner	Co-owner on Record
Mailing Address	982 CANTER RD NE, ATLANTA, GA 30324-2501
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Warranty Deed, Transfer · Conventional Mortgage NEXERA HOLDING LLC
Dec 20, 2021	Quit Claim Deed, Transfer · Conventional Mortgage VISIO FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2023 · Amount on Record
Deed Sale	Jun 21, 2023 · Amount on Record
Prior Sale	Dec 20, 2021
Deed Document Number	20230021907
Deed Book / Page	3293 / 863
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 21, 2023
Property Address	45 PENELOPE ST, MIRAMAR BEACH, FL 32550
Document Number	0032930863
Book / Page	3293 / 863
Map Reference	MB 3 PG 41
Instrument Date	Jun 16, 2023
Instrument	20230021907
Transaction Type	Transfer
Record Updated	Jul 13, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	230 LONG LAKE DR, MIRAMAR BEACH, FL 32550-8244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	982 CANTER RD NE, ATLANTA, GA 30324-2501

Mortgage

Document Number	0003293864
Date	Jun 21, 2023
Instrument	3293/864

Lender

Name	NEXERA HOLDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Dec 20, 2021
Property Address	45 PENELOPE ST, MIRAMAR BEACH, FL 32550-4642
Document Number	0032301819
Book / Page	3230 / 1819
Map Reference	MB 3 PG 41
Instrument Date	Dec 1, 2021
Instrument	20210062644
Transaction Type	Transfer
Record Updated	Feb 21, 2023
Title Company	DIVERSITY TITLE AND ESCROW COMPANY, LIBERTY TITLE & ESCROW CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	230 LONG LAKE DR, MIRAMAR BEACH, FL 32550-8244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 LONG LAKE DR, MIRAMAR BEACH, FL 32550-8244

Mortgage

Document Number	0032301822
Date	Dec 20, 2021
Instrument	3230/1822

Lender

Name	VISIO FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$1,264,237 (-6.53%) Land $475,000 Building $789,237	$1,264,237 (-6.53%) Land $475,000 Building $789,237
2024	$12,355.00 (+3.61%)
2023	$11,924.00 (+10.84%)	$1,352,595 (+16.51%) Land $450,000 Building $902,595	$1,352,595 (+16.51%) Land $450,000 Building $902,595
2022	$10,758.00	$1,160,905 Land $283,050 Building $877,855	$1,160,905 Land $283,050 Building $877,855

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 750 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4,168 units insured incl. 3,418 condo units
Nearby Flood Claims	64 (1995–2024)
Claims Outside the SFHA	45 of 64
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 29 claims Hurricane Frances, Sep 2004 · 10 claims

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 360 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: CenturyLink, T-Mobile, Wildstar Networks.

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