4705 Westwinds Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 4705 Westwinds Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Condominium
Lot Size	0.004 acres (217 sqft)
Owner	Company Name on File
Last Sale	$415,000 (Apr 2012)
Tax Bill	$6,229 (2024)
Deeds & Mortgages	Dec 2017 Sale & Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-2S-21-42800-000-4705`

Property Details

APN / Parcel Number

Primary APN	`34-2S-21-42800-000-4705`
Alternative APN	`1077393`

Exterior

Lot Area	217 sqft (0.004 acres)

Location & Zoning

Account Number	1077393
Street Address	4705 WESTWINDS DR
City	MIRAMAR BEACH
State	FL
Zip	32550-7283
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SD
Legal Description	UT 4705 WESTWINDS AT SANDESTIN CONDO OR 1787-413 OR 2888-2174 OR 3059-3215
Legal Range	21W
Legal Township	02S
Legal Section	34
Legal Subdivision	WESTWINDS AT SANDESTIN CONDO
Legal Lot Number	4705
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950609

Owner

4705 Westwinds Dr, a condominium, is owned by a company that acquired it in December 2017.

Source: Walton County records, as of December 17, 2025

Owner of Record	Company Name on File
Mailing Address	403 SUMMER MORNING CT, LAFAYETTE, LA 70508-7249
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2012 · Amount on File
Deed Sale	Apr 19, 2012 · Amount on File
Prior Sale	Apr 19, 2012 · Amount on File
Deed Document Number	0028882174
Last Transfer Date	Dec 12, 2017
Transfer Doc	0030593215
Record Updated	Jun 8, 2026

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Dec 12, 2017
Property Address	4705 WESTWINDS DR, MIRAMAR BEACH, FL 32550-7283
Document Number	0030593215
Book / Page	3059 / 3215
Map Reference	MB4 PGS 41
Instrument Date	Nov 28, 2017
Instrument	2017000040526
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 RIVER OAK CIR, 305, LAFAYETTE, LA 70508-6745

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 SETTLERS TRACE BLVD # 32101, 32101, LAFAYETTE, LA 70508-6781

Mortgage

Document Number	0030593217
Date	Dec 12, 2017
Book Page	3059/3217
Instrument	2017000040527

Lender

Name	FBT MORTGAGE LLC
Type	Mortgage Company
Address	OCEAN SPRINGS, MS 39564

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Change Frequency	5 Years
Min Rate At Change	2%
Margin	2
Max Rate	10.7%

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		$770,942 Building $770,942	$770,942 Building $770,942
2024	$6,229.00 (+5.29%)
2023	$5,916.00 (+15.1%)	$734,081 (+25%) Building $734,081	$734,081 (+25%) Building $734,081
2022	$5,140.00	$587,265 Building $587,265	$587,265 Building $587,265

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

Flood

FEMA maps place 4705 Westwinds 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 4705 Westwinds 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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