550 Tops'l Beach Blvd, Unit 310, Miramar Beach, FL 32550 Property Records

Walton County property record for 550 Tops'l Beach Blvd, Unit 310, Miramar Beach, FL 32550

Property Summary

Property Type	Condominium
Lot Size	0.005 acres (242 sqft)
Owner	2 Individual Names on File
Last Sale	$364,500 (Jul 2018)
Tax Bill	$3,683 (2024)
Deeds & Mortgages	Aug 2018 Mortgage Feb 2019 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`35-2S-21-42201-000-0310`

Property Details

APN / Parcel Number

Primary APN	`35-2S-21-42201-000-0310`
Alternative APN	`1079387`

Exterior

Lot Area	242 sqft (0.005 acres)

Location & Zoning

Account Number	1079387
Street Address	550 TOPSL BEACH BLVD UNIT 310, 310
City	MIRAMAR BEACH
State	FL
Zip	32550-7293
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SD
Legal Description	UNIT 310 THE TIDES AT TOPS'L OR 1910-9 OR 1916-156 OR 2447-712 OR 2741-4205 OR 2779-1158 OR 3078-1229 OR 3081-2703 OR
Legal Range	21W
Legal Township	02S
Legal Section	35
Legal Subdivision	TIDES AT TOPSL
Legal Lot Number	310
Legal Unit	310
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950609

Owner

550 Tops'l Beach Blvd, Unit 310 is owned by two individuals who acquired it in February 2019.

Source: Walton County records, as of December 17, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2 BAYWOOD CT, ALEXANDRIA, KY 41001-4305
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2018	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
Feb 12, 2019	Correction Deed NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW
Feb 6, 2019	Loan Modification, Mortgage · Conventional Mortgage REGIONS BK
Aug 6, 2018	Quit Claim Deed, Transfer OTHER
Jul 2, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Jul 2, 2018	Warranty Deed, Transfer · ARM REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2018 · Amount on File
Deed Sale	Jul 2, 2018 · Amount on File
Prior Sale	Jul 2, 2018
Deed Document Number	0030781229
Deed Book / Page	3078 / 1229
Last Transfer Date	Feb 12, 2019
Transfer Doc	0030971284
Record Updated	Jun 8, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	550 TOPSL BEACH BLVD UNIT 310, 310, MIRAMAR BEACH, FL 32550-7293
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030830522
Date	Aug 24, 2018
Book Page	3083/0522
Instrument	2018000028655

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	WALTON FL
Recording Date	Feb 12, 2019
Property Address	550 TOPSL BEACH BLVD UNIT 310, 310, MIRAMAR BEACH, FL 32550-7293
Document Number	0030971284
Book / Page	003097 / 001284
Instrument Date	Feb 6, 2019
Instrument	4492
Record Updated	Feb 27, 2019
Title Company	NAUTILUS TITLE AND ESCROW, NAUTILUS TITLE & ESCROW

Transaction

Amount	Amount on Record
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2 BAYWOOD CT ALEXANDRIA KY 410014305, ALEXANDRIA, KY 41001-4305

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WALTON FL
Property Address	550 TOPSL BEACH BLVD UNIT 310, 310, MIRAMAR BEACH, FL 32550-7293
Document Number	0030971286
Instrument Date	Feb 6, 2019
Transaction Type	Mortgage
Record Updated	Feb 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2 BAYWOOD CT ALEXANDRIA KY 410014305, ALEXANDRIA, KY 41001-4305

Mortgage

Document Number	0030971286
Date	Feb 12, 2019
Book Page	003097/001286
Instrument	4493

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 11, 2049

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Aug 6, 2018
Property Address	550 TOPSL BEACH BLVD UNIT 310, 310, MIRAMAR BEACH, FL 32550-7293
Document Number	0030812703
Book / Page	003081 / 002703
Instrument Date	Aug 3, 2018
Instrument	26352
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 BAYWOOD CT ALEXANDRIA KY 410014305, ALEXANDRIA, KY 41001-4305

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 2, 2018
Property Address	550 TOPSL BEACH BLVD UNIT 310, 310, MIRAMAR BEACH, FL 32550-7293
Document Number	0030781231
Book / Page	003078 / 001231
Instrument Date	Jun 15, 2018
Instrument	21979
Transaction Type	Transfer
Record Updated	Jul 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2 BAYWOOD CT ALEXANDRIA KY 410014305, ALEXANDRIA, KY 41001-4305

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 2, 2018
Property Address	550 TOPSL BEACH BLVD UNIT 310, 310, MIRAMAR BEACH, FL 32550-7293
Document Number	0030781229
Book / Page	3078 / 1229
Map Reference	MB1910 PG9
Instrument Date	Jun 15, 2018
Instrument	2018000021978
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	290 OLIVE CREEK FARM DR, 290, THOMASVILLE, GA 31757-1126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 BAYWOOD CT, ALEXANDRIA, KY 41001-4305

Mortgage

Document Number	2018000021980
Date	Jul 2, 2018
Instrument	2018000021980

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	2%
Index	Other
Margin	2
Max Rate	10.6%

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		$466,490 Building $466,490	$466,490 Building $466,490
2024	$3,683.00 (+4.96%)
2023	$3,509.00 (+13.01%)	$466,490 (+2%) Building $466,490	$466,490 (+2%) Building $466,490
2022	$3,105.00	$388,742 Building $388,742	$388,742 Building $388,742

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

Flood

FEMA maps place 550 Tops'l Beach Blvd, Unit 310 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

Wildfire risk around 550 Tops'l Beach Blvd, Unit 310 is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 74 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 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Wildstar Networks.

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