Walton County property record for 48 Palm Beach St, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,704 sqft · built 2020 |
| Lot Size | 0.132 acres (5,750 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $10,370 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Mar 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-2S-21-42050-00G-0070 |
| Primary APN | 32-2S-21-42050-00G-0070 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 3,704 sqft Living Area |
| Gross Area | 4,340 sqft |
| 1st Floor Area | 1,260 sqft |
| Flooring | Wood |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 5,750 sqft (0.132 acres) |
| Lot Dimensions | 115 ft deep x 50 ft wide |
| Porch | Finished/Open Porch |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 48 PALM BEACH ST |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 BLK G FRANGISTA BEACH 2ND ADDITION OR 1754-243 OR 2696-2352 OR 3134-1255 OR 3173-4796 OR 3173-4826 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 32 |
| Legal Subdivision | FRANGISTA BEACH 2ND ADDITION |
| Legal Block | G |
| Legal Lot Number | 7 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 950609 |
Source: Walton County records, as of April 3, 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 Record |
|---|---|
| Mailing Address | 3635 MONTANA AVE, BILLINGS, MT 59101-1889 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Aug 8, 2023 | Deed of Trust, Mortgage · Conventional Mortgage CLEAREDGE LENDING LLC |
| Mar 19, 2026 | Warranty Deed, Transfer · Commercial Mortgage HOMETOWN EQUITY MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 48 PALM BEACH ST, MIRAMAR BEACH, FL 32550 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 5340 MUIRFIELD CT, DUBLIN, OH 43017-7629 |
| Document Number | 0032981925 |
|---|---|
| Date | Aug 8, 2023 |
| Book Page | 3298/1925 |
| Instrument | 20230028384 |
| Name | CLEAREDGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | ALISO VIEJO, CA 92656 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 19, 2026 |
| Property Address | 48 PALM BEACH ST, MIRAMAR BEACH, FL 32550 |
| Document Number | 0033911706 |
| Book / Page | 3391 / 1706 |
| Map Reference | MB 3 PG 41 |
| Instrument Date | Mar 13, 2026 |
| Instrument | 20260010633 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $15,925.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5340 MUIRFIELD CT, DUBLIN, OH 43017-7629 |
| Name | Verified Name |
|---|---|
| Address | 3635 MONTANA AVE, BILLINGS, MT 59101-1889 |
| Investor | Possibly a Property Investor |
| Document Number | 0033911708 |
|---|---|
| Date | Mar 19, 2026 |
| Instrument | 3391/1708 |
| Name | HOMETOWN EQUITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
Source: Walton County assessment roll, as of December 3, 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 | $10,370.00 (-1.25%) | $1,325,348 (-7.49%) Land $475,000 Building $850,348 | $1,325,348 (-7.49%) Land $475,000 Building $850,348 |
| 2024 | $10,501.00 (+4.55%) | ||
| 2023 | $10,044.00 (+10.85%) | $1,432,715 (+15.64%) Land $450,000 Building $982,715 | $1,432,715 (+15.64%) Land $450,000 Building $982,715 |
| 2022 | $9,061.00 | $1,238,967 Land $283,050 Building $955,917 | $1,238,967 Land $283,050 Building $955,917 |
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 minimal risk |
|---|---|
| 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 |
|
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 | Not rated no burnable land within 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 360 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: CenturyLink, T-Mobile, Wildstar Networks.
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