49 Hidden Harbor Ln, Miramar Beach, FL 32550 Property Records

Walton County property record for 49 Hidden Harbor Ln, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,790 sqft · built 1997
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$291,000 (Nov 2018)
Tax Bill	$4,064 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`29-2S-21-42950-000-0040`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42950-000-0040`
Alternative APNs	`29-221-42950-000-0040` `1064935`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,790 sqft Living Area
Gross Area	2,387 sqft
1st Floor Area	1,790 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	131 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch
Porch Area	197 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	49 HIDDEN HARBOR LN
City	MIRAMAR BEACH
State	FL
Zip	32550-3931
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 4 HIDDEN HARBOR ESTATES PB 11-42 OR 2784-4140 OR 3081-2209 OR 3089-3894
Legal Range	021
Legal Township	02S
Legal Section	29
Legal Subdivision	HIDDEN HARBOR ESTATES
Legal Lot Number	4
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1008
Census Tract	950608

Owner

Source: Walton County records, as of July 10, 2026

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
Mailing Address	402 CEDAR AVE, FREEPORT, FL 32439-6741
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 6, 2023	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jan 21, 2022	Intrafamily Transfer, Transfer
Nov 8, 2018	Grant Deed, Transfer · Conventional Mortgage BANCORPSOUTH
Aug 3, 2018	Warranty Deed, Transfer H AND S TITLE AND ESCROW INC
Aug 1, 2018	Trustee's Deed, Construction Loan · Construction Mortgage FOUNDATION REALTY SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2018 · Amount on Record
Deed Sale	Nov 8, 2018 · Amount on Record
Prior Sale	Aug 3, 2018 · Amount on Record
Deed Document Number	201837527
Deed Book / Page	3089 / 3894
Prior Transfer Date	Jan 28, 2008
Prior Transfer Doc	0027844140
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	49 HIDDEN HARBOR LN, MIRAMAR BEACH, FL 32550-3931
Transaction Type	Mortgage
Record Updated	Oct 30, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032162090
Date	Sep 15, 2021
Book Page	3216/2090
Instrument	20210046393

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Oct 6, 2023
Property Address	49 HIDDEN HARBOR LN, MIRAMAR BEACH, FL 32550-3931
Document Number	0033041530
Book / Page	3304 / 1530
Instrument Date	Sep 25, 2023
Instrument	20230036273
Transaction Type	Transfer
Record Updated	Oct 30, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5315 TALLGRASS WAY NW, KENNESAW, GA 30152-2833

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5315 TALLGRASS WAY NW, KENNESAW, GA 30152-2833

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Jan 21, 2022
Property Address	49 HIDDEN HARBOR LN, MIRAMAR BEACH, FL 32550-3931
Document Number	0032352156
Book / Page	3235 / 2156
Instrument Date	Jan 21, 2022
Instrument	20220002968
Transaction Type	Transfer
Record Updated	Oct 30, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	292 W HARBORVIEW RD, SANTA ROSA BEACH, FL 32459-3056

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	Nov 8, 2018
Property Address	49 HIDDEN HARBOR LN, MIRAMAR BEACH, FL 32550-3931
Document Number	0030893894
Book / Page	003089 / 003894
Instrument Date	Oct 25, 2018
Instrument	37527
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,037.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 6973 MIRAMAR BEACH FL 325501018, MIRAMAR BEACH, FL 32550-1018

Mortgage

Document Number	30893897
Date	Nov 8, 2018
Book Page	003089/003897
Instrument	37528

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-3356

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 7, 2048

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 3, 2018
Property Address	49 HIDDEN HARBOR LN, MIRAMAR BEACH, FL 32550-3931
Document Number	0030812209
Book / Page	003081 / 002209
Instrument Date	Jul 31, 2018
Instrument	26205
Transaction Type	Transfer
Record Updated	Aug 21, 2018
Title Company	H AND S TITLE AND ESCROW INC

Transaction

Amount	Amount Recorded
Tax	$1,302.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4006 S MACDILL AVE TAMPA FL 336111545, TAMPA, FL 33611-1545

August 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	WALTON FL
Recording Date	Aug 1, 2018
Property Address	49 HIDDEN HARBOR LN, MIRAMAR BEACH, FL 32550-3931
Document Number	0030810369
Book / Page	003081 / 000369
Instrument Date	Jul 13, 2018
Instrument	25762
Transaction Type	Construction Loan
Record Updated	Aug 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	781 SPRING LAKE DR DESTIN FL 325411901, DESTIN, FL 32541-1901

Mortgage

Document Number	30810369
Date	Aug 1, 2018
Book Page	003081/000369
Instrument	25762

Lender

Name	FOUNDATION REALTY SERVICES INC
Address	3999 COMMONS DR # H, DESTIN, FL 32541

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 31, 2019

Tax Assessment & Valuation

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	$4,064.00 (+242.66%)	$449,806 (-0.21%) Land $77,000 Building $372,806	$449,806 (-0.21%) Land $77,000 Building $372,806
2024	$1,186.00 (+4.49%)
2023	$1,135.00 (+1.79%) Homeowner's exemption	$450,758 (+33.26%) Land $69,088 Building $381,670	$450,758 (+33.26%) Land $69,088 Building $381,670
2022	$1,115.00 Homeowner's exemption	$338,266 Land $56,097 Building $282,169	$338,266 Land $56,097 Building $282,169

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 148 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	12 (2004–2024)
Claims Outside the SFHA	5 of 12
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Sally, Sep 2020 · 5 claims Hurricane Michael, Oct 2018 · 2 claims Hurricane Frances, Sep 2004 · 2 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	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 214 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Wildstar Networks.

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