55 Ruth St, Miramar Beach, FL 32550 Property Records

Walton County property record for 55 Ruth St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,400 sqft · built 2019
Lot Size	0.115 acres (5,009 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,200,000 (Dec 2024)
Tax Bill	$9,089 (2025)
Deeds & Mortgages	Feb 2021 Transfer Jun 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00F-0090`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00F-0090`
Alternative APNs	`32-221-42050-00F-0090` `1071844`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,400 sqft Living Area
Gross Area	3,171 sqft
1st Floor Area	1,353 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
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
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch
Porch Area	330 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	55 RUTH ST
City	MIRAMAR BEACH
State	FL
Zip	32550-4640
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 9 BLK F FRANGISTA BCH 2ND ADD PB 3-41 OR 1754-243 OR 2619-2550 OR 2619-3965 OR 2928-1334 OR 2964-3696 OR 3058-267 OR 3146-2524 OR 3182-4686 OR 3344-1390
Legal Range	021
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BCH 2ND ADD
Legal Block	F
Legal Lot Number	9
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1034
Census Tract	950609

Owner

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	7940 FRONT BEACH RD, PANAMA CITY BEACH, FL 32407-4817
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Jun 16, 2020	Warranty Deed, Transfer MCNEESE TITLE LLC
Nov 21, 2017	Warranty Deed, Transfer BURKE LAW AND TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2024 · Amount on Record
Deed Sale	Dec 11, 2024 · Amount on Record
Prior Sale	Jun 16, 2020 · Amount on Record
Deed Document Number	202442882
Deed Book / Page	3344 / 1390
Prior Transfer Date	Feb 8, 2021
Prior Transfer Doc	0031824686
Record Updated	Jun 8, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Feb 12, 2021
Property Address	55 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0031824686
Book / Page	3182 / 4686
Map Reference	MB 3 PG 41
Instrument Date	Feb 8, 2021
Instrument	20210006820
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	55 RUTH ST, 55, MIRAMAR BEACH, FL 32550-4640

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	55 RUTH ST, MIRAMAR BEACH, FL 32550-4640

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 16, 2020
Property Address	55 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0031462524
Book / Page	003146 / 002524
Instrument Date	Jun 10, 2020
Instrument	20589
Transaction Type	Transfer
Record Updated	Aug 3, 2020
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$4,053.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	55 RUTH ST MIRAMAR BEACH FL 32550, MIRAMAR BEACH, FL 32550

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 21, 2017
Property Address	55 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0030580267
Book / Page	003058 / 000267
Instrument Date	Nov 20, 2017
Instrument	38507
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	BURKE LAW AND TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$5,929.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1201 DRIFTWOOD POINT RD SANTA ROSA BEACH FL 324593030, SANTA ROSA BEACH, FL 32459-3030
Investor	Possibly a Property Investor

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	$9,089.00 (+89.08%)	$1,005,917 (-12.81%) Land $400,000 Building $605,917	$1,005,917 (-12.81%) Land $400,000 Building $605,917
2024	$4,807.00 (+3.78%)
2023	$4,632.00 (+1.18%) Homeowner's exemption	$1,153,692 (+19.31%) Land $450,000 Building $703,692	$1,153,692 (+19.31%) Land $450,000 Building $703,692
2022	$4,578.00 Homeowner's exemption	$966,945 Land $283,050 Building $683,895	$966,945 Land $283,050 Building $683,895

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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