Walton County property record for 454 Bay Tree Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,811 sqft · built 1999 |
| Lot Size | 0.165 acres (7,187 sqft) |
| Owner | Company Name on Record |
| Last Sale | $260,000 (Feb 2015) |
| Tax Bill | $2,252 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Feb 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2S-21-42406-000-0220 |
| Primary APN | 28-2S-21-42406-000-0220 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,811 sqft Living Area |
| Gross Area | 2,514 sqft |
| 1st Floor Area | 1,811 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,187 sqft (0.165 acres) |
| Lot Dimensions | 95 ft deep x 76 ft wide |
| Garage Type | Attached |
| Garage Area | 529 sqft |
| Porch | Finished Screened Porch |
| Porch Area | 174 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 454 BAY TREE DR |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-7868 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 22 TREETOPS AT BAYSIDE PH II PB 12-9 OR 1925-65 OR 2970-3110 OR 3177-2325 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | BAYSIDE PH II |
| Legal Phase | 2 |
| Legal Block | 2 |
| Legal Lot Number | 22 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 950609 |
Source: Walton County records, as of January 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 454 BAY TREE DR, MIRAMAR BEACH, FL 32550-7868 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Date | Document |
|---|---|
| Nov 26, 2025 | Deed of Trust, Mortgage · Balloon Mortgage FIRST NATIONAL BANK OF DECATUR COUNTY |
| Feb 6, 2024 | Deed of Trust, Mortgage · Closed-End Mortgage FIRST NATIONAL BANK OF DECATUR COUNTY |
| Jan 6, 2021 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 9, 2015 · Amount on Record |
| Deed Sale | Feb 9, 2015 · Amount on Record |
| Deed Document Number | 20151311005 |
| Deed Book / Page | 2970 / 3110 |
| Last Transfer Date | Oct 22, 2020 |
| Transfer Doc | 0031772325 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 454 BAY TREE DR, MIRAMAR BEACH, FL 32550-7868 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2025 |
| Name | Verified Name |
|---|---|
| Address | 454 BAY TREE DR, MIRAMAR BEACH, FL 32550-7868 |
| Document Number | 0033790730 |
|---|---|
| Date | Nov 26, 2025 |
| Book Page | 3379/730 |
| Instrument | 20250043883 |
| Name | FIRST NATIONAL BANK OF DECATUR COUNTY |
|---|---|
| Type | Bank |
| Address | BAINBRIDGE, GA 39818 |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 62 Months |
| Due | Jan 20, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 454 BAY TREE DR, MIRAMAR BEACH, FL 32550-7868 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2024 |
| Name | Verified Name |
|---|---|
| Address | 454 BAY TREE DR, MIRAMAR BEACH, FL 32550-7868 |
| Document Number | 0033144236 |
|---|---|
| Date | Feb 6, 2024 |
| Book Page | 3314/4236 |
| Instrument | 20240004144 |
| Name | FIRST NATIONAL BANK OF DECATUR COUNTY |
|---|---|
| Type | Bank |
| Address | BAINBRIDGE, GA 39819 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Mar 8, 2029 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jan 6, 2021 |
| Property Address | 454 BAY TREE DR, MIRAMAR BEACH, FL 32550-7868 |
| Document Number | 0031772325 |
| Book / Page | 3177 / 2325 |
| Map Reference | MB 12 PG 9&9A |
| Instrument Date | Oct 22, 2020 |
| Instrument | 20210000562 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 454 BAY TREE DR, MIRAMAR BEACH, FL 32550-7868 |
Source: Walton County assessment roll, as of December 3, 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 | $2,252.00 (+2.09%) Homeowner's exemption | $287,931 (-38.58%) | $434,705 (-7.27%) Land $85,000 Building $349,705 |
| 2024 | $2,206.00 (+4.06%) | ||
| 2023 | $2,120.00 (+1.44%) Homeowner's exemption | $468,793 (+9.49%) Land $53,735 Building $415,058 | $468,793 (+9.49%) Land $53,735 Building $415,058 |
| 2022 | $2,090.00 Homeowner's exemption | $428,164 Land $59,646 Building $368,518 | $428,164 Land $59,646 Building $368,518 |
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 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 |
|
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 97% of the US · lower than 96% 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 337 locations within half a mile, as of December 31, 2025
| 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: CenturyLink, LiveOak Fiber, Mediacom Xtream, Wildstar Networks.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures