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

Walton County property record for 5 Lake Front Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,464 sqft · built 2005
Lot Size	0.073 acres (3,180 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Feb 2023)
Tax Bill	$1,665 (2023)
Deeds & Mortgages	Sep 2025 Mortgage Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42321-000-0210`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42321-000-0210`
Alternative APNs	`30-221-42321-000-0210` `1067505`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,464 sqft Living Area
Gross Area	2,046 sqft
1st Floor Area	549 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,180 sqft (0.073 acres)
Lot Dimensions	77 ft deep x 31 ft wide
Garage Type	Attached
Garage Area	420 sqft
Porch	Open/Unfinished Porch
Porch Area	162 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5 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	LOTS 21 OLDE FLORIDA LAKES PH II PB 14-45 OR 2495-218 OR 2603-828 OR 2672-42 OR 2987-1783 OR 3281-4003
Legal Range	021
Legal Township	02S
Legal Section	30
Legal Subdivision	OLDE FLORIDA LAKES PH II
Legal Phase	2
Legal Block	2
Legal Lot Number	21
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1007
Census Tract	950608

Owner

Source: Walton County records, as of June 2, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	824 WEEDEN ISLAND DR, NICEVILLE, FL 32578-3708
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Deed of Trust, Mortgage · VA Mortgage EXCEL MORGAGE SERVICES
Feb 28, 2023	Warranty Deed, Transfer · VA Mortgage MERCHANTS HOME LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2023 · Amount on Record
Deed Sale	Feb 28, 2023 · Amount on Record
Prior Sale	Aug 14, 2015 · Amount on Record
Deed Document Number	20236794
Deed Book / Page	3281 / 4003
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	5 LAKE FRONT DR, MIRAMAR BEACH, FL 32550-8246
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 N HOLIDAY RD, MIRAMAR BEACH, FL 32550-6929

Mortgage

Document Number	0033722770
Date	Sep 30, 2025
Book Page	3372/2770
Instrument	20250035383

Lender

Name	EXCEL MORGAGE SERVICES
Type	Mortgage Company
Address	PLEASANTON, CA 94566

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 28, 2023
Property Address	5 LAKE FRONT DR, MIRAMAR BEACH, FL 32550-8246
Document Number	0032814003
Book / Page	3281 / 4003
Map Reference	MB 14 PG 45
Instrument Date	Feb 3, 2023
Instrument	20230006794
Transaction Type	Transfer
Record Updated	Mar 20, 2023
Title Company	AMOUR SETTLEMENT SERVICES LLC, VOXTUR SETTLEMENT SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	68 CHIPPEWA DR, NICEVILLE, FL 32578-8243

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 WEEDEN ISLAND DR, NICEVILLE, FL 32578-3708

Mortgage

Document Number	0032814005
Date	Feb 28, 2023
Instrument	3281/4005

Lender

Name	MERCHANTS HOME LENDING
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

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		$339,755 (-7.08%) Land $76,000 Building $263,755	$339,755 (-7.08%) Land $76,000 Building $263,755
2023	$1,665.00 (+1.59%) Homeowner's exemption	$365,638 (+9.76%) Land $39,380 Building $326,258	$365,638 (+9.76%) Land $39,380 Building $326,258
2022	$1,639.00 Homeowner's exemption	$333,125 Land $43,712 Building $289,413	$333,125 Land $43,712 Building $289,413

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	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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