4827 Westwinds Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 4827 Westwinds Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Condominium
Lot Size	0.004 acres (217 sqft)
Owner	Individual Name on Record
Last Sale	$1,220,000 (Jun 2021)
Tax Bill	$10,873 (2024)
Deeds & Mortgages	Jul 2022 Line of Credit Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34-2S-21-42800-000-4827`

Property Details

APN / Parcel Number

Primary APN	`34-2S-21-42800-000-4827`
Alternative APN	`1077515`

Exterior

Lot Area	217 sqft (0.004 acres)

Location & Zoning

Account Number	1077515
Street Address	4827 WESTWINDS DR
City	MIRAMAR BEACH
State	FL
Zip	32550-7849
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SD
Legal Description	UT 4827 WESTWINDS AT SANDESTIN CONDO OR 1846-427 OR 2414-1337 OR 2601-2753 OR 2783-984 OR 2783-975 OR 3093-3533 OR 3200-4662
Legal Range	21W
Legal Township	02S
Legal Section	34
Legal Subdivision	WESTWINDS AT SANDESTIN CONDO
Legal Lot Number	4827
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950609

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	12506 WINDSOR DR, CARMEL, IN 46033-3148
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2022	Deed of Trust, Mortgage · Line of Credit FIRST MERCHANTS BANK
Jun 3, 2021	Warranty Deed, Transfer · Conventional Mortgage CITADEL SERVICING CORPORATION
Dec 31, 2018	Warranty Deed, Transfer MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2021 · Amount on Record
Deed Sale	Jun 3, 2021 · Amount on Record
Prior Sale	Dec 31, 2018 · Amount on Record
Deed Document Number	20210027832
Deed Book / Page	3200 / 4662
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	4827 WESTWINDS DR, MIRAMAR BEACH, FL 32550-7849
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12506 WINDSOR DR, CARMEL, IN 46033-3148
Investor	Possibly a Property Investor

Mortgage

Document Number	0032584698
Date	Jul 6, 2022
Book Page	3258/4698
Instrument	20220031371

Lender

Name	FIRST MERCHANTS BANK
Type	Bank
Address	INDIANAPOLIS, IN 46290

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 3, 2021
Property Address	4827 WESTWINDS DR, MIRAMAR BEACH, FL 32550-7849
Document Number	0032004662
Book / Page	3200 / 4662
Map Reference	MB 4 PG 41-41TT
Instrument Date	May 28, 2021
Instrument	20210027832
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2082 OLDE TOWNE AVE, MIRAMAR BEACH, FL 32550-4524

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12506 WINDSOR DR, CARMEL, IN 46033-3148
Investor	Possibly a Property Investor

Mortgage

Document Number	0032004663
Date	Jun 3, 2021
Instrument	3200/4663

Lender

Name	CITADEL SERVICING CORPORATION
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 31, 2018
Property Address	4827 WESTWINDS DR, MIRAMAR BEACH, FL 32550-7849
Document Number	0030933533
Book / Page	003093 / 003533
Instrument Date	Dec 28, 2018
Instrument	42877
Transaction Type	Transfer
Record Updated	Jan 24, 2019
Title Company	MCGILL ESCROW AND TITLE LLC, MCGILL ESCROW & TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$6,947.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2082 OLDE TOWNE AVE MIRAMAR BEACH FL 325504524, MIRAMAR BEACH, FL 32550-4524

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		$1,294,881 (+8.69%) Building $1,294,881	$1,294,881 (+8.69%) Building $1,294,881
2024	$10,873.00 (+7.29%)
2023	$10,134.00 (+14.74%)	$1,191,356 (+25%) Building $1,191,356	$1,191,356 (+25%) Building $1,191,356
2022	$8,832.00	$953,085 Building $953,085	$953,085 Building $953,085

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 A, 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

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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