56 Ruth St, Miramar Beach, FL 32550 Property Records

Walton County property record for 56 Ruth St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	7 bd · 6 ba · 3,082 sqft · built 2021
Lot Size	0.114 acres (5,009 sqft)
Owner	Company Name on Record
Last Sale	$1,733,000 (Jan 2025)
Tax Bill	$11,955 (2024)
Deeds & Mortgages	Jul 2022 Mortgage Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00E-0060`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00E-0060`
Alternative APN	`1071827`

Interior

Bedrooms	7 Beds
Full Baths	6 Baths
Stories	3 Stories
Building Area	3,082 sqft Living Area
Gross Area	3,330 sqft

Exterior

Year Built	Built 2021
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,009 sqft (0.114 acres)
Lot Dimensions	10 ft deep x 5 ft wide
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1071827
Street Address	56 RUTH ST
City	MIRAMAR BEACH
State	FL
Zip	32550
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLK E FRANGISTA BCH 2ND ADD PB 3-41 OR 1754-243 OR 2619-2550 OR 2619-4022 OR 3062-466 OR 3096-3390 OR 3132-2043 OR
Legal Range	21W
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BCH 2ND ADD S/D
Legal Block	E
Legal Lot Number	6
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1035
Census Tract	950609

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1098 RUTH XING, DELAWARE, OH 43015-5152
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 23, 2021	Quit Claim Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 26, 2020	Warranty Deed, Transfer KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I
Feb 6, 2020	Warranty Deed, Transfer · Commercial Mortgage RENASANT BANK
Jan 2, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2025 · Amount on Record
Deed Sale	Jan 30, 2025 · Amount on Record
Prior Sale	Dec 23, 2021
Deed Document Number	20250002883
Deed Book / Page	3348 / 1560
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	56 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Transaction Type	Mortgage
Record Updated	Mar 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 TURNING LEAF DR, WINDHAM, ME 04062-6002

Mortgage

Document Number	0032611237
Date	Jul 26, 2022
Book Page	3261/1237
Instrument	20220034337

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Dec 1, 2051

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Dec 23, 2021
Property Address	56 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0032311058
Book / Page	3231 / 1058
Map Reference	MB 3 PG 41
Instrument Date	Oct 21, 2021
Instrument	20210063638
Transaction Type	Transfer
Record Updated	Feb 21, 2023
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8 TURNING LEAF DRIVE, WINDHAM XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	8 TURNING LEAF DRIVE, WINDHAM XX

Mortgage

Document Number	0032311060
Date	Dec 23, 2021
Instrument	3231/1060

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 26, 2020
Property Address	56 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0031434918
Book / Page	003143 / 004918
Instrument Date	May 15, 2020
Instrument	17627
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	KNIGHT BARRY TITLE SOLUTIONS INC, KNIGHT BARRY TITLE SOLUTIONS I

Transaction

Amount	Amount Recorded
Tax	$1,348.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8 TURNING LEAF DR WINDHAM ME 040626002, WINDHAM, ME 04062-6002

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 6, 2020
Property Address	56 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0031322043
Book / Page	3132 / 2043
Map Reference	MB 3 PG 41
Instrument Date	Feb 3, 2020
Instrument	20200004235
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	KNIGHT BARRY TITLE SLN INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 LAKEVIEW DR, 109, TOANO, VA 23168-8702

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	146 PRITCHARD RD, MIRAMAR BEACH, FL 32550-3947

Mortgage

Document Number	0031322046
Date	Feb 6, 2020
Instrument	3132/2046

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Jan 25, 2021

Interest

Rate Type	Adjustable Rate

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	Jan 2, 2018
Property Address	56 RUTH ST, MIRAMAR BEACH, FL 32550-4640
Document Number	0030620466
Book / Page	003062 / 000466
Instrument Date	Dec 1, 2017
Instrument	110
Transaction Type	Transfer
Record Updated	Jan 22, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4509 SAWGRASS WAY DESTIN FL 325413431, DESTIN, FL 32541-3431

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		$1,152,870 (-11.91%) Land $400,000 Building $752,870	$1,152,870 (-11.91%) Land $400,000 Building $752,870
2024	$11,955.00 (+0.53%)
2023	$11,892.00 (-0.54%)	$1,308,813 (+1.44%) Land $450,000 Building $858,813	$1,308,813 (+1.44%) Land $450,000 Building $858,813
2022	$11,957.00	$1,290,245 Land $283,050 Building $1,007,195	$1,290,245 Land $283,050 Building $1,007,195

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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