49 Lake Front Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 49 Lake Front Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,668 sqft · built 2002
Lot Size	0.113 acres (4,922 sqft)
Owner	2 Individual Names on File
Last Sale	$257,000 (Nov 2018)
Tax Bill	$2,097 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jul 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42321-000-0170`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42321-000-0170`
Alternative APNs	`30-221-42321-000-0170` `1067501`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,668 sqft Living Area
Gross Area	2,304 sqft
1st Floor Area	1,668 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	4,922 sqft (0.113 acres)
Lot Dimensions	90 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished Screened Porch
Porch Area	236 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	49 LAKE FRONT DR
City	MIRAMAR BEACH
State	FL
Zip	32550-8246
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NI
Legal Description	LOT 17 OLDE FLORIDA LAKES PH II PB 14-45 OR 2418-636 OR 3086-3532 &-3536 OR 3090-1123 OR 3259-4040
Legal Range	021
Legal Township	02S
Legal Section	30
Legal Subdivision	OLDE FLORIDA LAKES PH II
Legal Phase	2
Legal Block	1
Legal Lot Number	17
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1007
Census Tract	950608

Owner

49 Lake Front Dr is owned by two individuals who acquired it in July 2022.

Source: Walton County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	826 HARBOUR POINT DR, MIRAMAR BEACH, FL 32550-8502
Owner Type	Individual
Vesting	Life Estate

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 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage RENASANT BANK
Jul 13, 2022	Intrafamily Transfer, Transfer NOT AVAILABLE, KETCHERSID LAND & TITLE LLC
Mar 15, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Nov 14, 2018	Warranty Deed, Transfer · ARM RENASANT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2018 · Amount on File
Deed Sale	Nov 14, 2018 · Amount on File
Prior Sale	Jul 10, 2002 · Amount on File
Deed Document Number	201838133
Deed Book / Page	3090 / 1123
Last Transfer Date	Jul 12, 2022
Transfer Doc	0032594040
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	49 LAKE FRONT DR, MIRAMAR BEACH, FL 32550-8246
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031411040
Date	Apr 29, 2020
Book Page	3141/1040
Instrument	20200014600

Lender

Name	RENASANT BANK
Type	Bank
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Jul 13, 2022
Property Address	49 LAKE FRONT DR, MIRAMAR BEACH, FL 32550-8246
Document Number	0032594040
Book / Page	3259 / 4040
Map Reference	MB 14 PG 45,45A&45B
Instrument Date	Jul 12, 2022
Instrument	20220032438
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	NOT AVAILABLE, KETCHERSID LAND & TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	826 HARBOUR POINT DR, 826, MIRAMAR BEACH, FL 32550-8502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	826 HARBOUR POINT DR, MIRAMAR BEACH, FL 32550-8502

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Mar 15, 2022
Property Address	49 LAKE FRONT DR, MIRAMAR BEACH, FL 32550-8246
Document Number	0032431000
Book / Page	3243 / 1000
Map Reference	MB 14 PG 45,45A&45B
Instrument Date	May 4, 2021
Instrument	20220012167
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	49 LAKE FRONT DR, 49, MIRAMAR BEACH, FL 32550-8246

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	826 HARBOUR POINT DR, MIRAMAR BEACH, FL 32550-8502

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 14, 2018
Property Address	49 LAKE FRONT DR, MIRAMAR BEACH, FL 32550-8246
Document Number	0030901123
Book / Page	3090 / 1123
Map Reference	MB14 PG45,45A&45B
Instrument Date	Nov 13, 2018
Instrument	2018000038133
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9 ORIOLE DR, 9, BEDFORD, NH 03110-4420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 LAKE FRONT DR, MIRAMAR BEACH, FL 32550-8246

Mortgage

Document Number	2018000038134
Date	Nov 14, 2018
Instrument	2018000038134

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	10.1%
Index	1-Year LIBOR
Max Rate	10.1%

Tax Assessment & Valuation

The 2025 property tax bill for 49 Lake Front Dr was $2,097, up 2.1% 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	$2,097.00 (+2.14%)	$270,736	$352,290 Land $80,000 Building $272,290
2024	$2,053.00 (+4.05%)
2023	$1,973.00 (+1.49%) Homeowner's exemption	$375,998 (+9.64%) Land $41,453 Building $334,545	$375,998 (+9.64%) Land $41,453 Building $334,545
2022	$1,944.00 Homeowner's exemption	$342,924 Land $46,013 Building $296,911	$342,924 Land $46,013 Building $296,911

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

Flood

FEMA maps place 49 Lake Front 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 49 Lake Front Dr is moderate, ranking above 43% of the US, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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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