51 Mobile St, Miramar Beach, FL 32550 Property Records

Walton County property record for 51 Mobile St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	7 bd · 7.5 ba · 3,196 sqft · built 2020
Lot Size	0.115 acres (5,009 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Aug 2019)
Tax Bill	$9,175 (2025)
Deeds & Mortgages	Feb 2020 Construction Loan Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00D-0050`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00D-0050`
Alternative APNs	`32-221-42050-00D-0050` `1071816`

Interior

Bedrooms	7 Beds
Full Baths	7.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,196 sqft Living Area
Gross Area	3,520 sqft
1st Floor Area	1,304 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,009 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Porch	Finished/Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	51 MOBILE ST
City	MIRAMAR BEACH
State	FL
Zip	32550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 5 BLK D FRANGISTA BEACH 2ND ADDITION PB 3-41 OR 1754-243 OR 2619-2550 OR 2619-4061 OR 2621-4227 OR 2982-4585 OR 3052-2619 OR 3057-1479 OR 3115-1776
Legal Range	021
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BEACH 2ND ADDITION
Legal Block	D
Legal Lot Number	5
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1031
Census Tract	950609

Owner

51 Mobile St is owned by two individuals who bought it in August 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	164 CASA GRANDE LN, SANTA ROSA BEACH, FL 32459-3162
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2020	Deed of Trust, Mortgage · Construction Mortgage TRUSTMARK NATIONAL BANK
Nov 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUSTMARK NATIONAL BANK
Apr 7, 2021	Deed of Trust, Mortgage · Construction Mortgage FNBT BANK
Aug 20, 2019	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC
Nov 13, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2019 · Amount on File
Deed Sale	Aug 20, 2019 · Amount on File
Prior Sale	Sep 18, 2017 · Amount on File
Deed Document Number	201928455
Deed Book / Page	3115 / 1776
Prior Transfer Date	Nov 13, 2017
Prior Transfer Doc	0030571479
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	51 MOBILE ST, MIRAMAR BEACH, FL 32550
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031334262
Date	Feb 20, 2020
Book Page	3133/4262
Instrument	20200006142

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	MOBILE, AL 36602

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	8 Months
Due	Oct 24, 2020

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	51 MOBILE ST, MIRAMAR BEACH, FL 32550
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	MCNEESE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 BYRNES BLVD, MOBILE, AL 36608-2616

Mortgage

Document Number	0031694110
Date	Nov 20, 2020
Book Page	3169/4110
Instrument	20200047460

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank
Address	JACKSON, MS 39225

Agreement

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	51 MOBILE ST, MIRAMAR BEACH, FL 32550
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	885 INDIGO LOOP, MIRAMAR BEACH, FL 32550-5233

Mortgage

Document Number	0031914368
Date	Apr 7, 2021
Book Page	3191/4368
Instrument	20210016968

Lender

Name	FNBT BANK
Type	Bank
Address	FORT WALTON BEACH, FL 32549

Agreement

Type	Construction Mortgage
Amount	Amount on Record

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 20, 2019
Property Address	51 MOBILE ST, MIRAMAR BEACH, FL 32550
Document Number	0031151776
Book / Page	003115 / 001776
Instrument Date	Aug 7, 2019
Instrument	28455
Transaction Type	Transfer
Record Updated	Sep 9, 2019
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount on Record
Tax	$1,050.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	72 BYRNES BLVD MOBILE AL 366082616, MOBILE, AL 36608-2616

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Nov 13, 2017
Property Address	51 MOBILE ST, MIRAMAR BEACH, FL 32550
Document Number	0030571479
Book / Page	003057 / 001479
Instrument Date	Nov 13, 2017
Instrument	37429
Transaction Type	Transfer
Record Updated	Dec 12, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	62 BREEZWAY BLVD SANTA ROSA BEACH FL 324597021, SANTA ROSA BEACH, FL 32459-7021

Tax Assessment & Valuation

The 2025 property tax bill for 51 Mobile St was $9,175, down 4.5% 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	$9,175.00 (-4.55%)	$1,169,219 Land $400,000 Building $769,219	$1,169,219 Land $400,000 Building $769,219
2024	$9,612.00 (+4.43%)
2023	$9,204.00 (+11.5%)	$1,339,392 (+16.69%) Land $450,000 Building $889,392	$1,339,392 (+16.69%) Land $450,000 Building $889,392
2022	$8,255.00	$1,147,867 Land $283,050 Building $864,817	$1,147,867 Land $283,050 Building $864,817

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

Flood

FEMA maps place 51 Mobile St in Zone X, an area of minimal flood risk, within 100 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 A, within 100 ft
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 51 Mobile St 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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