Walton County property record for 57 Penelope St, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 8 bd · 8 ba · 3,707 sqft · built 2022 |
| Lot Size | 0.132 acres (5,750 sqft) |
| Owner | Individual Name on File |
| Last Sale | $2,312,000 (Mar 2025) |
| Tax Bill | $17,129 (2024) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-2S-21-42050-00G-0110 |
| Primary APN | 32-2S-21-42050-00G-0110 |
|---|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 8 Baths |
| Stories | 3 Stories |
| Building Area | 3,707 sqft Living Area |
| Gross Area | 4,687 sqft |
| Flooring | Hardwood |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,750 sqft (0.132 acres) |
| Lot Dimensions | 11.5 ft deep x 5 ft wide |
| Deck Area | Deck Area |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 57 PENELOPE ST |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 11 BLK G FRANGISTA BEACH 2ND ADDITION PB 3-41 OR 1754-243 OR 2696-2350 OR 3125-1593 OR 3144-685 OR 3239-2223 OR 3352-1494 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 32 |
| Legal Block | G |
| Legal Lot Number | 11 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 950609 |
57 Penelope St is owned by an individual who bought it in March 2025.
Source: Walton County records, as of December 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 141 SOUTHERN PINES RD, SANTA ROSA BEACH, FL 32459-6775 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 11, 2025 · Amount on File |
| Deed Sale | Mar 11, 2025 · Amount on File |
| Prior Sale | Feb 18, 2022 · Amount on File |
| Deed Document Number | 0033521494 |
| Deed Book / Page | 3352 / 1494 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Feb 18, 2022 |
| Property Address | 57 PENELOPE ST, MIRAMAR BEACH, FL 32550-4642 |
| Document Number | 0032392223 |
| Book / Page | 3239 / 2223 |
| Map Reference | MB 3 PG 41 |
| Instrument Date | Feb 16, 2022 |
| Instrument | 20220007741 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $15,575.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 6723, MIRAMAR BEACH, FL 32550-1013 |
| Name | Verified Name |
|---|---|
| Address | 57 PENELOPE ST, MIRAMAR BEACH, FL 32550-4642 |
| Document Number | 0032392229 |
|---|---|
| Date | Feb 18, 2022 |
| Instrument | 3239/2229 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Feb 16, 2027 |
Source: Walton County assessment roll, as of July 1, 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 | $1,400,868 Land $475,000 Building $925,868 | $1,400,868 Land $475,000 Building $925,868 | |
| 2024 | $17,129.00 (+0.53%) | ||
| 2023 | $17,039.00 (+726.73%) | $1,875,241 (+562.51%) Land $450,000 Building $1,425,241 | $1,875,241 (+562.51%) Land $450,000 Building $1,425,241 |
| 2022 | $2,061.00 | $283,050 Land $283,050 | $283,050 Land $283,050 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 57 Penelope St 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 |
|
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.
The area around 57 Penelope St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 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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