Walton County property record for 46 Heron Pointe Ct, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,293 sqft · built 1994 |
| Lot Size | 0.232 acres (10,149 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $245,700 (Jun 2014) |
| Tax Bill | $2,406 (2024) |
| Deeds & Mortgages | Feb 2021 Mortgage Jan 2022 Mortgage + 4 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 28-2S-21-42400-00A-0370 |
| Primary APN | 28-2S-21-42400-00A-0370 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,293 sqft Living Area |
| Gross Area | 3,162 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,149 sqft (0.232 acres) |
| Lot Dimensions | 11 ft deep x 8.3 ft wide |
| Garage Type | Finished |
| Garage Area | 506 sqft |
| Porch | Porch |
| Porch Area | 363 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1060381 |
|---|---|
| Street Address | 46 HERON POINTE CT |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-4599 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 37 BLK A PHASE 1 OF BAYSIDE S/D PB 9-22 OR 1177-288 OR 2240-267 OR 2953-1933 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | OF BAYSIDE S/D |
| Legal Phase | 1 |
| Legal Block | A |
| Legal Lot Number | 37 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 950608 |
Source: Walton County records, as of December 17, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 46 HERON POINTE CT, MIRAMAR BEACH, FL 32550-4599 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC |
| Jan 20, 2022 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jun 7, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Nov 19, 2018 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 4, 2021 | Warranty Deed, Transfer BRIGHT LINE TITLE LLC |
| May 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PRIME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 2014 · Amount on Record |
| Deed Sale | Jun 27, 2014 · Amount on Record |
| Prior Sale | Jun 26, 2000 · Amount on Record |
| Deed Document Number | 2014661286273 |
| Deed Book / Page | 2953 / 1933 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 46 HERON POINTE CT, MIRAMAR BEACH, FL 32550-4599 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 46 HERON POINTE CT, MIRAMAR BEACH, FL 32550-4599 |
| Investor | Possibly a Property Investor |
| Document Number | 0031840240 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 3184/240 |
| Instrument | 20210008111 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | PHILADELPHIA, PA 19104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 46 HERON POINTE CT, MIRAMAR BEACH, FL 32550-4599 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 46 HERON POINTE CT, MIRAMAR BEACH, FL 32550-4599 |
| Investor | Possibly a Property Investor |
| Document Number | 0032351904 |
|---|---|
| Date | Jan 20, 2022 |
| Book Page | 3235/1904 |
| Instrument | 20220002907 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 46 HERON POINTE CT, MIRAMAR BEACH, FL 32550-4599 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 46 HERON POINTE CT, MIRAMAR BEACH, FL 32550-4599 |
| Document Number | 0032914095 |
|---|---|
| Date | Jun 7, 2023 |
| Book Page | 3291/4095 |
| Instrument | 20230020125 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 28, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 46 HERON POINTE CT, MIRAMAR BEACH, FL 32550-4599 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030902359 |
|---|---|
| Date | Nov 19, 2018 |
| Book Page | 3090/2359 |
| Instrument | 2018000038543 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Oct 4, 2021 |
| Property Address | 46 HERON POINTE CT, MIRAMAR BEACH, FL 32550-4599 |
| Document Number | 0032190152 |
| Book / Page | 3219 / 152 |
| Map Reference | MB 2045 PG 265 |
| Instrument Date | Sep 24, 2021 |
| Instrument | 20210049443 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2021 |
| Title Company | BRIGHT LINE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,117.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1081 BAY HARBOUR CIR, 1081, CENTERVILLE, OH 45458-2028 |
| Name | Verified Name |
|---|---|
| Address | 46 HERON POINTE CT, MIRAMAR BEACH, FL 32550-4599 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 46 HERON POINTE CT, MIRAMAR BEACH, FL 32550-4599 |
| Document Number | 0031430744 |
| Instrument Date | May 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 46 HERON POINTE CT MIRAMAR BEACH FL 325504599, MIRAMAR BEACH, FL 32550-4599 |
| Document Number | 0031430744 |
|---|---|
| Date | May 18, 2020 |
| Book Page | 003143/000744 |
| Instrument | 16682 |
| Name | PRIME LNDG |
|---|---|
| Address | FLINT, MI 48501-2026 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 17, 2040 |
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 | $425,651 (-15.89%) Land $85,000 Building $340,651 | $425,651 (-15.89%) Land $85,000 Building $340,651 | |
| 2024 | $2,406.00 (+3.98%) | ||
| 2023 | $2,314.00 (+1.4%) Homeowner's exemption | $506,035 (+9.63%) Land $53,735 Building $452,300 | $506,035 (+9.63%) Land $53,735 Building $452,300 |
| 2022 | $2,282.00 Homeowner's exemption | $461,594 Land $59,646 Building $401,948 | $461,594 Land $59,646 Building $401,948 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 148 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 148 in force |
| Nearby Flood Claims | 12 (2004–2024) |
| Claims Outside the SFHA | 5 of 12 |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| 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 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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