Walton County property record for 55 Bay Tree Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,400 sqft · built 1994 |
| Lot Size | 0.126 acres (5,489 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $265,000 (May 2019) |
| Tax Bill | $1,868 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2S-21-42401-00A-0050 |
| Primary APN | 28-2S-21-42401-00A-0050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,400 sqft Living Area |
| Gross Area | 2,089 sqft |
| 1st Floor Area | 1,400 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,489 sqft (0.126 acres) |
| Lot Dimensions | 100 ft deep x 54 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished Screened Porch |
| Porch Area | 269 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 55 BAY TREE DR |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-4882 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RP |
| Legal Description | LOT 5 BLK A TREETOPS AT BAYSIDE PB 10-23 OR 1191-37 OR 2806-2999 OR 2820-3289 OR 2987-715 OR 3104-4424 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | BAYSIDE |
| Legal Block | A |
| Legal Lot Number | 5 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 950609 |
Source: Walton County records, as of December 3, 2025
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 | 55 BAY TREE DR, MIRAMAR BEACH, FL 32550-4882 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2021 | Deed of Trust, Mortgage · FHA Mortgage BANCORPSOUTH BANK |
| May 8, 2019 | Warranty Deed, Transfer · FHA Mortgage BANCORPSOUTH |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2019 · Amount on Record |
| Deed Sale | May 8, 2019 · Amount on Record |
| Prior Sale | Jul 1, 2015 · Amount on Record |
| Deed Document Number | 201914746 |
| Deed Book / Page | 3104 / 4424 |
| Prior Transfer Date | Jul 30, 2014 |
| Prior Transfer Doc | 0029870715 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 55 BAY TREE DR, MIRAMAR BEACH, FL 32550-4882 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Title Company | SHORELINE TITLE LLC, SHORELINE TITLE |
| Name | Verified Name |
|---|---|
| Address | 55 BAY TREE DR, MIRAMAR BEACH, FL 32550-4882 |
| Document Number | 0031940013 |
|---|---|
| Date | Apr 21, 2021 |
| Book Page | 3194/13 |
| Instrument | 20210019521 |
| Name | BANCORPSOUTH BANK |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38801 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | May 8, 2019 |
| Property Address | 55 BAY TREE DR, MIRAMAR BEACH, FL 32550-4882 |
| Document Number | 0031044424 |
| Book / Page | 003104 / 004424 |
| Instrument Date | Apr 30, 2019 |
| Instrument | 14746 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2019 |
| Title Company | CUSTOMERS FIRST TITLE COMPANY, CUSTOMERS FIRST TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,855.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 55 BAY TREE DR MIRAMAR BEACH FL 325504882, MIRAMAR BEACH, FL 32550-4882 |
| Document Number | 31044426 |
|---|---|
| Date | May 8, 2019 |
| Book Page | 003104/004426 |
| Instrument | 14747 |
| Name | BANCORPSOUTH |
|---|---|
| Type | Bank |
| Address | TUPELO, MS 38803-3356 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 7, 2049 |
Source: Walton County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,868.00 (+2.19%) Homeowner's exemption | $245,388 (-27.56%) | $362,431 (+6.99%) Land $85,000 Building $277,431 |
| 2024 | $1,828.00 (+4.16%) | ||
| 2023 | $1,755.00 (+1.5%) Homeowner's exemption | $338,747 (+8.27%) Land $53,735 Building $285,012 | $338,747 (+8.27%) Land $53,735 Building $285,012 |
| 2022 | $1,729.00 Homeowner's exemption | $312,885 Land $59,646 Building $253,239 | $312,885 Land $59,646 Building $253,239 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 428 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 645 units insured incl. 217 condo units |
| Nearby Flood Claims | 23 (1998–2024) |
| Claims Outside the SFHA | 10 of 23 |
| Most Recent Claim | Sep 2024 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures