48 Saint Nicholas Ct, Miramar Beach, FL 32550 Property Records

Walton County property record for 48 Saint Nicholas Ct, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	6 bd · 6.5 ba · 3,314 sqft · built 2017
Lot Size	0.104 acres (4,530 sqft)
Owner	2 Individual Names on File
Last Sale	$1,060,000 (Dec 2019)
Tax Bill	$11,851 (2025)
Deeds & Mortgages	Dec 2019 Sale & Line of Credit Jan 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-2S-21-42970-000-0550`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42970-000-0550`
Alternative APNs	`29-221-42970-000-0550` `1065021`

Interior

Bedrooms	6 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,314 sqft Living Area
Gross Area	3,982 sqft
1st Floor Area	1,374 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	4,530 sqft (0.104 acres)
Lot Dimensions	75 ft deep x 39 ft wide
Garage Type	Attached
Garage Area	240 sqft
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	428 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	48 SAINT NICHOLAS CT
City	MIRAMAR BEACH
State	FL
Zip	32550-8217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 55 EMERALD WATERS VILLAGE PB 13-27 OR 2565-49 OR 2804-3500 OR 2811-2775 OR 3002-242 OR 3030-604 OR 3127-3118
Legal Range	021
Legal Township	02S
Legal Section	29
Legal Subdivision	EMERALD WATERS VILLAGE
Legal Block	5
Legal Lot Number	55
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1031
Census Tract	950609

Owner

48 Saint Nicholas Ct is owned by two individuals who bought it in December 2019.

Source: Walton County records, as of December 3, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2663 GUNN RD, ADAMS, TN 37010-9092
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
Dec 18, 2019	Warranty Deed, Transfer · Line of Credit MCNEESE TITLE LLC
Jan 5, 2018	Loan Modification, Mortgage HANCOCK BK
Jan 3, 2017	Warranty Deed, Construction Loan · Construction Mortgage HANCOCK BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2019 · Amount on File
Deed Sale	Dec 18, 2019 · Amount on File
Prior Sale	Jan 3, 2017 · Amount on File
Deed Document Number	201944189
Deed Book / Page	3127 / 3118
Prior Transfer Date	Feb 27, 2009
Prior Transfer Doc	0028112775
Record Updated	Jun 8, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 18, 2019
Property Address	48 SAINT NICHOLAS CT, MIRAMAR BEACH, FL 32550-8217
Document Number	0031273118
Book / Page	3127 / 3118
Map Reference	MB 13 PG 27&27A
Instrument Date	Dec 13, 2019
Instrument	20190044189
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4210 CLUB DR NE, 4210, ATLANTA, GA 30319-1118

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2663 GUNN RD, ADAMS, TN 37010-9092

Mortgage

Document Number	0000000000
Date	Dec 18, 2019
Instrument	3127-3120

Lender

Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 13, 2044

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	48 SAINT NICHOLAS CT, MIRAMAR BEACH, FL 32550-8217
Document Number	0030734331
Instrument Date	Jan 5, 2018
Transaction Type	Mortgage
Record Updated	Jun 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	48 SAINT NICHOLAS CT MIRAMAR BEACH FL 325508217, MIRAMAR BEACH, FL 32550-8217

Mortgage

Document Number	0030734331
Date	May 17, 2018
Book Page	003073/004331
Instrument	16214

Lender

Name	HANCOCK BK
Type	Bank
Address	GULFPORT, MS 39501

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 16, 2048

Interest

Rate	3.37%

January 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 3, 2017
Property Address	48 SAINT NICHOLAS CT, MIRAMAR BEACH, FL 32550-8217
Document Number	0030300604
Book / Page	3030 / 0604
Map Reference	MB13 PG27&27A
Instrument Date	Dec 28, 2016
Instrument	0000153
Transaction Type	Construction Loan
Record Updated	Aug 2, 2022
Title Company	BURKE LAW & TITLE LLC

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	136 S HOLIDAY RDB, 136, MIRAMAR BEACH, FL 32550

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4210 CLUB DR NE, ATLANTA, GA 30319-1118
Investor	Possibly a Property Investor

Mortgage

Document Number	0030300606
Date	Jan 3, 2017
Instrument	3030/0606

Lender

Name	HANCOCK BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 28, 2046

Interest

Rate Type	Fixed Rate
Rate	3.37%
Type Change Date	Jan 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

Tax Assessment & Valuation

The 2025 property tax bill for 48 Saint Nicholas Ct was $11,851, down 3.2% 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	$11,851.00 (-3.24%)	$1,312,330 Land $341,250 Building $971,080	$1,312,330 Land $341,250 Building $971,080
2024	$12,248.00 (+5.08%)
2023	$11,656.00 (+13.03%)	$1,509,448 (+20.27%) Land $267,750 Building $1,241,698	$1,509,448 (+20.27%) Land $267,750 Building $1,241,698
2022	$10,312.00	$1,255,028 Land $161,618 Building $1,093,410	$1,255,028 Land $161,618 Building $1,093,410

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

Flood

FEMA maps place 48 Saint Nicholas Ct in Zone X, an area of minimal flood risk, though there have been 64 flood claims nearby since 1995.

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 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

The area around 48 Saint Nicholas Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 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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