4780 Westwinds Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 4780 Westwinds Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Condominium
Lot Size	0.004 acres (217 sqft)
Owner	Individual Name on File
Last Sale	$1,185,000 (Apr 2024)
Tax Bill	$6,811 (2024)
Deeds & Mortgages	Apr 2024 Sale Aug 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34-2S-21-42800-000-4780`

Property Details

APN / Parcel Number

Primary APN	`34-2S-21-42800-000-4780`
Alternative APN	`1077468`

Exterior

Lot Area	217 sqft (0.004 acres)

Location & Zoning

Account Number	1077468
Street Address	4780 WESTWINDS DR
City	MIRAMAR BEACH
State	FL
Zip	32550-7847
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SD
Legal Description	UNITT 4780 WESTWINDS AT SANDESTIN CONDO OR 1811-125 OR 2009-295 OR 2325-1273 OR 2525-1780 OR 3652-64 OR 3078-748 OR 3321-3011
Legal Range	21W
Legal Township	02S
Legal Section	34
Legal Subdivision	WESTWINDS AT SANDESTIN CONDO
Legal Lot Number	4780
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950609

Owner

4780 Westwinds Dr, a condominium, is owned by an individual who bought it in April 2024.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	8550 WATERFORD PARK BLVD, MONTGOMERY, AL 36117-9200
Owner Type	Individual

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

Date	Document
Apr 16, 2024	Warranty Deed, Transfer CUSTOMERS FIRST TITLE COMPANY, CUSTOMERS FIRST TITLE CO
Aug 14, 2018	Deed of Trust, Mortgage · Commercial Mortgage PINNACLE BANK
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
Jul 2, 2018	Warranty Deed, Transfer CUSTOMERS FIRST TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2024 · Amount on File
Deed Sale	Apr 16, 2024 · Amount on File
Prior Sale	Jul 2, 2018 · Amount on File
Deed Document Number	20240012964
Deed Book / Page	3321 / 3011
Record Updated	Jun 8, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 16, 2024
Property Address	4780 WESTWINDS DR, MIRAMAR BEACH, FL 32550-7847
Document Number	0033213011
Book / Page	3321 / 3011
Instrument Date	Apr 12, 2024
Instrument	20240012964
Transaction Type	Transfer
Record Updated	May 22, 2024
Title Company	CUSTOMERS FIRST TITLE COMPANY, CUSTOMERS FIRST TITLE CO

Transaction

Amount	Amount on Record
Tax	$8,295.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	733 CORVIN RD NE, CLEVELAND, TN 37323-4429

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8550 WATERFORD PARK BLVD, MONTGOMERY, AL 36117-9200

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	4780 WESTWINDS DR, MIRAMAR BEACH, FL 32550-7847
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030821209
Date	Aug 14, 2018
Book Page	3082/1209
Instrument	2018000027345

Lender

Name	PINNACLE BANK
Type	Bank
Address	CLEVELAND, TN 37311

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	4780 WESTWINDS DR, MIRAMAR BEACH, FL 32550-7847
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031434565
Date	May 22, 2020
Book Page	3143/4565
Instrument	20200017571

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2035

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 2, 2018
Property Address	4780 WESTWINDS DR, MIRAMAR BEACH, FL 32550-7847
Document Number	0030780748
Book / Page	003078 / 000748
Instrument Date	Jun 29, 2018
Instrument	21880
Transaction Type	Transfer
Record Updated	Jul 16, 2018
Title Company	CUSTOMERS FIRST TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$4,305.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	733 CORVIN RD NE CLEVELAND TN 373234429, CLEVELAND, TN 37323-4429

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		$883,654 Building $883,654	$883,654 Building $883,654
2024	$6,811.00 (+7.18%)
2023	$6,355.00 (+15.27%)	$811,519 (+25%) Building $811,519	$811,519 (+25%) Building $811,519
2022	$5,513.00	$649,215 Building $649,215	$649,215 Building $649,215

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

Flood

FEMA maps place 4780 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 VE, 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 4780 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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