51 Whitecap Way, Miramar Beach, FL 32550 Property Records

Walton County property record for 51 Whitecap Way, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,480 sqft · built 2000
Lot Size	0.123 acres (5,358 sqft)
Owner	2 Individual Names on File
Last Sale	$327,500 (Oct 2017)
Tax Bill	$2,385 (2024)
Deeds & Mortgages	Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`28-2S-21-42600-000-0230`

Property Details

APN / Parcel Number

Primary APN	`28-2S-21-42600-000-0230`
Alternative APN	`1060789`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,480 sqft Living Area
Gross Area	2,300 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	5,358 sqft (0.123 acres)
Lot Dimensions	9.6 ft deep x 5.6 ft wide
Garage Type	Finished
Garage Area	400 sqft

Exterior Amenities

Porch	Porch
Porch Area	100 sqft
Patio Area	320 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1060789
Street Address	51 WHITECAP WAY
City	MIRAMAR BEACH
State	FL
Zip	32550-7100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 SEASPRAY PB 14-18 OR 2306-1264 OR 2882-4570 OR 2945-3330 OR 3055-1252
Legal Range	21W
Legal Township	02S
Legal Section	28
Legal Subdivision	SEASPRAY
Legal Lot Number	23
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1048
Census Tract	950609

Owner

51 Whitecap Way is owned and occupied by two individuals who bought it in October 2017.

Source: Walton County records, as of December 17, 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	51 WHITECAP WAY, MIRAMAR BEACH, FL 32550-7100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2017 · Amount on File
Deed Sale	Oct 17, 2017 · Amount on File
Prior Sale	Mar 25, 2014 · Amount on File
Deed Document Number	2017000034492
Deed Book / Page	3055 / 1252
Record Updated	Jun 8, 2026

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 17, 2017
Property Address	51 WHITECAP WAY, MIRAMAR BEACH, FL 32550-7100
Document Number	0030551252
Book / Page	003055 / 001252
Instrument Date	Oct 13, 2017
Instrument	34492
Transaction Type	Transfer
Record Updated	Dec 5, 2017
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$2,292.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1802 EAGLE LAKE ST NORTHPORT AL 354735310, NORTHPORT, AL 35473-5310

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		$550,280 Land $125,000 Building $425,280	$550,280 Land $125,000 Building $425,280
2024	$2,385.00 (+4.01%)
2023	$2,293.00 (+1.37%) Homeowner's exemption	$519,833 (+19.39%) Land $84,441 Building $435,392	$519,833 (+19.39%) Land $84,441 Building $435,392
2022	$2,262.00 Homeowner's exemption	$435,394 Land $93,729 Building $341,665	$435,394 Land $93,729 Building $341,665

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

Flood

FEMA maps place 51 Whitecap Way in Zone X, an area of minimal flood risk, though there have been 64 flood claims nearby since 1995.

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
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 Whitecap Way 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 303 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: CenturyLink, LiveOak Fiber, Mediacom Xtream, T-Mobile, Wildstar Networks.