4635 Southwinds Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 4635 Southwinds Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Condominium
Lot Size	0.005 acres (228 sqft)
Owner	Company Name on File
Last Sale	$1,350,000 (Feb 2019)
Tax Bill	$13,846 (2025)
Deeds & Mortgages	Feb 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`34-2S-21-42601-000-4635`

Property Details

APN / Parcel Number

Primary APN	`34-2S-21-42601-000-4635`
Alternative APNs	`34-221-42601-000-4635` `1077356`

Exterior

Architectural Style	Condo/Apartment
Lot Area	228 sqft (0.005 acres)

Location & Zoning

Street Address	4635 SOUTHWINDS DR
City	MIRAMAR BEACH
State	FL
Zip	32550-4203
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SD
Legal Description	UNIT 4635 SOUTHWINDS III CONDO OR 1983-282 OR 2076-392 OR 2348-1724 OR 3097-2149
Legal Range	021
Legal Township	02S
Legal Section	34
Legal Subdivision	SOUTHWINDS III CONDO
Legal Block	46
Legal Lot Number	4635
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950609

Owner

4635 Southwinds Dr, a condominium, is owned by a company that bought it in February 2019.

Source: Walton County records, as of April 14, 2026

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	Company Name on File
Mailing Address	PO BOX 70756, ALBANY, GA 31708-0756
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2019 · Amount on File
Deed Sale	Feb 15, 2019 · Amount on File
Prior Sale	Sep 5, 2001 · Amount on File
Deed Document Number	20194815
Deed Book / Page	3097 / 2149
Record Updated	Oct 29, 2026

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 15, 2019
Property Address	4635 SOUTHWINDS DR, MIRAMAR BEACH, FL 32550-4203
Document Number	0030972149
Book / Page	003097 / 002149
Instrument Date	Feb 8, 2019
Instrument	4815
Transaction Type	Transfer
Record Updated	Mar 1, 2019
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,450.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 70756 ALBANY GA 317080756, ALBANY, GA 31708-0756

Mortgage

Document Number	30972153
Date	Feb 15, 2019
Book Page	003097/002153
Instrument	4817

Lender

Name	AB&T
Address	ALBANY, GA 31707

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	Feb 14, 2022

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4635 Southwinds Dr was $13,846, up 3.5% from the year before.

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	$13,846.00 (+3.45%)	$1,706,772 Building $1,706,772	$1,706,772 Building $1,706,772
2024	$13,384.00 (+4.91%)
2023	$12,758.00 (+33.09%)	$1,706,772 (+65%) Building $1,706,772	$1,706,772 (+65%) Building $1,706,772
2022	$9,586.00	$1,034,408 Building $1,034,408	$1,034,408 Building $1,034,408

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

Flood

FEMA maps place 4635 Southwinds Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 4635 Southwinds Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	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.

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 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Wildstar Networks.

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