61 Payne St, Miramar Beach, FL 32550 Property Records

Walton County property record for 61 Payne St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,466 sqft · built 2015
Lot Size	0.086 acres (3,746 sqft)
Owner	Company Name on Record
Last Sale	$839,000 (Jul 2020)
Tax Bill	$9,481 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Jul 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42660-000-0060`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42660-000-0060`
Alternative APNs	`30-221-42660-000-0060` `1068009`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	3 Stories
Building Area	2,466 sqft Living Area
Gross Area	3,207 sqft
1st Floor Area	630 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,746 sqft (0.086 acres)
Lot Dimensions	88 ft deep x 43 ft wide
Garage Type	Attached
Garage Area	408 sqft
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	333 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	61 PAYNE ST
City	MIRAMAR BEACH
State	FL
Zip	32550-5295
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NI
Legal Description	LOT 6 TREASURE SANDS S/D PB 17-100 OR 2805-3376 OR 2822-3947 OR 2935-2676 OR 2963-3008 OR 2990-828 OR 2992-645 OR 3066-4539 OR 3134-504 OR 3148-3356
Legal Range	021
Legal Township	02S
Legal Section	30
Legal Subdivision	TREASURE SANDS
Legal Lot Number	6
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2011
Census Tract	950608

Owner

Source: Walton County records, as of April 14, 2026

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	PO BOX 2160, WESTERVILLE, OH 43086-2160
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2024	Deed of Trust, Mortgage · Commercial Mortgage GENOA BANKING CO
Jul 1, 2020	Warranty Deed, Transfer MCNEESE TITLE LLC
Feb 24, 2020	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 1, 2018	Warranty Deed, Transfer · Commercial Mortgage RELIANT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2020 · Amount on Record
Deed Sale	Jul 1, 2020 · Amount on Record
Prior Sale	Feb 24, 2020 · Amount on Record
Deed Document Number	202023087
Deed Book / Page	3148 / 3356
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	61 PAYNE ST, MIRAMAR BEACH, FL 32550-5295
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6075 TAYLOR RD, GAHANNA, OH 43230-3211

Mortgage

Document Number	OR33183453
Date	Mar 18, 2024
Book Page	OR3318/3453
Instrument	20240009320

Lender

Name	GENOA BANKING CO
Type	Bank
Address	801 MAIN ST, GENOA, OH 43430

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 1, 2020
Property Address	61 PAYNE ST, MIRAMAR BEACH, FL 32550-5295
Document Number	0031483356
Book / Page	003148 / 003356
Instrument Date	Jun 25, 2020
Instrument	23087
Transaction Type	Transfer
Record Updated	Jul 31, 2020
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$5,873.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6079 TAYLOR RD GAHANNA OH 432303211, GAHANNA, OH 43230-3211

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 24, 2020
Property Address	61 PAYNE ST, MIRAMAR BEACH, FL 32550-5295
Document Number	0031340504
Book / Page	3134 / 504
Map Reference	MB 17 PG 100
Instrument Date	Feb 18, 2020
Instrument	20200006541
Transaction Type	Transfer
Record Updated	Feb 7, 2021
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,575.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	366 BRIGGS AVEB, 366, NASHVILLE, TN 37211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 GILDWOOD PL, TOMBALL, TX 77375-4994

Mortgage

Document Number	31340506
Date	Feb 24, 2020
Instrument	3134/0506

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 1, 2018
Property Address	61 PAYNE ST, MIRAMAR BEACH, FL 32550-5295
Document Number	0030664539
Book / Page	3066 / 4539
Map Reference	MB17 PG100
Instrument Date	Feb 26, 2018
Instrument	2018000006764
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MCGILL EACROW & TITLE LLC

Transaction

Amount	Amount Recorded
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	103 BAYOU MANOR RD, 103, SANTA ROSA BEACH, FL 32459-8477

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Et Ux (and Wife)
Address	3616B WESTBROOK AVE, NASHVILLE, TN 37205-2328

Mortgage

Document Number	2018000006765
Date	Mar 1, 2018
Instrument	2018000006765

Lender

Name	RELIANT BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$9,481.00 (-7.89%)	$1,090,843 (-19.82%) Land $142,354 Building $948,489	$1,090,843 (-19.82%) Land $142,354 Building $948,489
2024	$10,293.00 (+4.71%)
2023	$9,830.00 (+7.49%)	$1,360,449 (+9.82%) Land $142,354 Building $1,218,095	$1,360,449 (+9.82%) Land $142,354 Building $1,218,095
2022	$9,145.00	$1,238,795 Land $158,013 Building $1,080,782	$1,238,795 Land $158,013 Building $1,080,782

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 203 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	706 units insured incl. 503 condo units
Nearby Flood Claims	3 (2014–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2020 · Hurricane Sally

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	P32 “Moreno Point”
Unit Type	System Unit
Designated	Oct 18, 1982
NFIP Eligibility	Not eligible (built 2015) built after the Oct 1, 1983 cutoff · private flood insurance only

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 437 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
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Wildstar Networks.

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