4712 Westwinds Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 4712 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	$890,000 (Feb 2022)
Tax Bill	$7,138 (2024)
Deeds & Mortgages	Feb 2022 Mortgage Feb 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34-2S-21-42800-000-4712`

Property Details

APN / Parcel Number

Primary APN	`34-2S-21-42800-000-4712`
Alternative APN	`1077400`

Exterior

Lot Area	217 sqft (0.004 acres)

Location & Zoning

Account Number	1077400
Street Address	4712 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 4712 WESTWINDS AT SANDESTIN CONDO OR 1800-110 OR 2302-631 OR 3240-1473
Legal Range	21W
Legal Township	02S
Legal Section	34
Legal Subdivision	WESTWINDS AT SANDESTIN CONDO
Legal Lot Number	4712
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950609

Owner

Source: Walton County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	PO BOX 1738, KELLER, TX 76244-0378
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Feb 24, 2022	Warranty Deed, Transfer RODGERS-KIEFER TITLE, RODGERS KIEFER TITLE
May 13, 2020	Deed of Trust, Mortgage · Conventional with PMI LOWER

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 24, 2022 · Amount on Record
Deed Sale	Feb 24, 2022 · Amount on Record
Prior Sale	Jan 10, 2001 · Amount on Record
Deed Document Number	0032401473
Deed Book / Page	3240 / 1473
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	4712 WESTWINDS DR, MIRAMAR BEACH, FL 32550-7283
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	193 CLUBSIDE DR NW 193, 193, NEW PHILADELPHIA, OH 44663-1369

Mortgage

Document Number	0032371479
Date	Feb 3, 2022
Book Page	3237/1479
Instrument	20220005148

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2037

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 24, 2022
Property Address	4712 WESTWINDS DR, MIRAMAR BEACH, FL 32550-7283
Document Number	0032401473
Book / Page	3240 / 1473
Map Reference	MB 1983 PG 265
Instrument Date	Feb 24, 2022
Instrument	20220008742
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	RODGERS-KIEFER TITLE, RODGERS KIEFER TITLE

Transaction

Amount	Amount Recorded
Tax	$6,230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	193 CLUBSIDE DR NW, NEW PHILADELPHIA, OH 44663-1369

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1738, KELLER, TX 76244-1738

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	4712 WESTWINDS DR, MIRAMAR BEACH, FL 32550-7283
Document Number	0031450502
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1272 HILLTOP RD NW NEW PHILADELPHIA OH 446631366, NEW PHILADELPHIA, OH 44663-1366

Mortgage

Document Number	0031450502
Date	Jun 3, 2020
Book Page	003145/000502
Instrument	18831

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jun 2, 2035

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		$821,137 (+9.28%) Building $821,137	$821,137 (+9.28%) Building $821,137
2024	$7,138.00 (+4.56%)
2023	$6,827.00 (+29.57%)	$751,406 (+25%) Building $751,406	$751,406 (+25%) Building $751,406
2022	$5,269.00	$601,125 Building $601,125	$601,125 Building $601,125

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Wildstar Networks.

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