550 Tops'l Beach Blvd, Unit 409, Miramar Beach, FL 32550 Property Records

Walton County property record for 550 Tops'l Beach Blvd, Unit 409, Miramar Beach, FL 32550

Property Summary

Property Type	Condominium
Lot Size	0.005 acres (242 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (May 2019)
Tax Bill	$3,946 (2024)
Deeds & Mortgages	May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-2S-21-42201-000-0409`

Property Details

APN / Parcel Number

Primary APN	`35-2S-21-42201-000-0409`
Alternative APN	`1079397`

Exterior

Lot Area	242 sqft (0.005 acres)

Location & Zoning

Account Number	1079397
Street Address	550 TOPSL BEACH BLVD UNIT 409, 409
City	MIRAMAR BEACH
State	FL
Zip	32550-7290
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SD
Legal Description	UNIT 409 THE TIDES AT TOPS'L CB 1910-9 OR 1916-197 OR 3102-1393 OR 3106-4278
Legal Range	21W
Legal Township	02S
Legal Section	35
Legal Subdivision	TIDES AT TOPSL
Legal Lot Number	409
Legal Unit	409
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 409 is owned by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1313 RURAL ST, RIVER RIDGE, LA 70123-2749
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2019 · Amount on File
Deed Sale	May 30, 2019 · Amount on File
Deed Document Number	20190017463
Deed Book / Page	3106 / 4278
Record Updated	Jun 8, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 30, 2019
Property Address	550 TOPSL BEACH BLVD UNIT 409, 409, MIRAMAR BEACH, FL 32550-7290
Document Number	0031064278
Book / Page	3106 / 4278
Map Reference	MB 1910 PG 9
Instrument Date	May 24, 2019
Instrument	20190017463
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MCGILL ESCROW & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4626 BATTERY LN, 4626, MOUNTAIN BRK, AL 35213-1810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1313 RURAL ST, RIVER RIDGE, LA 70123-2749

Mortgage

Document Number	0031064283
Date	May 30, 2019
Instrument	3106/4283

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	9.62%
Index	1-Year LIBOR
Margin	3
Max Rate	9.62%

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		$499,811 Building $499,811	$499,811 Building $499,811
2024	$3,946.00 (+4.95%)
2023	$3,760.00 (+13.01%)	$499,811 (+2%) Building $499,811	$499,811 (+2%) Building $499,811
2022	$3,327.00	$416,509 Building $416,509	$416,509 Building $416,509

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 409 in Zone X, an area of minimal flood risk, within 500 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 VE, within 500 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

Wildfire risk around 550 Tops'l Beach Blvd, Unit 409 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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