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643 Bayou Ln, Miramar Beach, FL 32550 Property Records

Walton County property record for 643 Bayou Ln, Miramar Beach, FL 32550

Property Summary

Property TypeCondominium
Lot Size0.051 acres (2,200 sqft)
OwnerIndividual Name on File
Last Sale$12,500 (Apr 2026)
Tax Bill$3,952 (2025)
Deeds & MortgagesApr 2026 Sale
Oct 2022 Sale
+ 7 more
Flood ZoneZone AE (high risk)
APN27-2S-21-42070-000-6430

Property Details

APN / Parcel Number

Primary APN27-2S-21-42070-000-6430
Alternative APNs
  • 27-221-42070-000-6430
  • 1055732

Exterior

Architectural StyleCondo/Apartment
Lot Area2,200 sqft (0.051 acres)

Location & Zoning

Street Address643 BAYOU LN
CityMIRAMAR BEACH
StateFL
Zip32550-5881
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeSD
Legal DescriptionUNIT 643 BAYOU VILLAGE PH II IN SANDESTIN AND 1/32 INTEREST IN COMMON ELEMENT AS REC IN CB 134-87 DB 152-336 OR 1471-51 OR 1506-255 &-256 OR 1551-216 OR 1884-141 OR 1951-317 OR 2980-2733 OR 2985-2549 &-3316 OR 3189-2393 &-2395 OR 3189-239
Legal Range021
Legal Township02S
Legal Section27
Legal SubdivisionBAYOU VILLAGE
Legal Phase2
Legal Block64
Legal Lot Number6430
Legal Unit643
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group2
Census Block2007
Census Tract950609

Owner

643 Bayou Ln, a condominium, is owned by an individual who bought it in April 2026.

Source: Walton County records, as of April 15, 2026

Owner of RecordIndividual Name on File
Mailing Address1024 SANDHURST CIR, BIRMINGHAM, AL 35242-2489
Owner TypeIndividual
VestingMarried

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

DateDocument
Apr 1, 2026Quit Claim Deed, Transfer
NONE LISTED ON DOCUMENT
Oct 3, 2022Quit Claim Deed, Transfer
ACCOMODATION, ACCOMMODATION
Apr 12, 2022Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Apr 12, 2022Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Apr 12, 2022Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Mar 24, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Mar 24, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Mar 24, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Mar 24, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 1, 2026 · Amount on File
Deed SaleApr 1, 2026 · Amount on File
Prior SaleOct 3, 2022 · Amount on File
Deed Document Number202612443
Deed Book / Page3392 / 3986
Prior Transfer DateMar 26, 2026
Prior Transfer Doc0033923986
Record UpdatedOct 29, 2026

April 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWALTON FL
Recording DateApr 1, 2026
Property Address643 BAYOU LN, MIRAMAR BEACH, FL 32550-5881
Document Number0033923986
Book / Page3392 / 3986
Instrument DateMar 26, 2026
Instrument202612443
Transaction TypeTransfer
Record UpdatedAug 27, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
Tax$8,837.50
Amount AccuracyCalculated from Transfer Tax
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1024 SANDHURST CIR, BIRMINGHAM, AL 35242-2489

October 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWALTON FL
Recording DateOct 3, 2022
Property Address643 BAYOU LN, MIRAMAR BEACH, FL 32550-5881
Document Number0032683466
Book / Page3268 / 3466
Map ReferenceMB 134 PG 87
Instrument DateSep 23, 2022
Instrument20220043990
Transaction TypeTransfer
Record UpdatedOct 14, 2022
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

AmountAmount on Record
Tax$103.60
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address6103 MILL CREEK DR, 6103, BIRMINGHAM, AL 35242-7344

Transferred To (Grantee/Buyer)

NameVerified Name
Address1004 REGENCY WAY, BIRMINGHAM, AL 35242-1411

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateApr 12, 2022
Property Address643 BAYOU LN, MIRAMAR BEACH, FL 32550-5881
Document Number0032473702
Book / Page3247 / 3702
Map ReferenceMB 134 PG 87
Instrument DateApr 5, 2022
Instrument20220017416
Transaction TypeTransfer
Record UpdatedApr 27, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$259.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3231 GLASGOW CIR, 3231, BIRMINGHAM, AL 35242-4007

Transferred To (Grantee/Buyer)

NameVerified Name
Address4200 HIGHWAY 93, HELENA, AL 35080-7907

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateApr 12, 2022
Property Address643 BAYOU LN, MIRAMAR BEACH, FL 32550-5881
Document Number0032473704
Book / Page3247 / 3704
Map ReferenceMB 134 PG 87
Instrument DateApr 5, 2022
Instrument20220017417
Transaction TypeTransfer
Record UpdatedApr 27, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$207.20
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3231 GLASGOW CIR, 3231, BIRMINGHAM, AL 35242-4007

Transferred To (Grantee/Buyer)

NameVerified Name
Address4200 HIGHWAY 93, HELENA, AL 35080-7907

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateApr 12, 2022
Property Address643 BAYOU LN, MIRAMAR BEACH, FL 32550-5881
Document Number0032473706
Book / Page3247 / 3706
Map ReferenceMB 134 PG 87
Instrument DateApr 5, 2022
Instrument20220017418
Transaction TypeTransfer
Record UpdatedApr 27, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$155.40
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3231 GLASGOW CIR, 3231, BIRMINGHAM, AL 35242-4007

Transferred To (Grantee/Buyer)

NameVerified Name
Address4200 HIGHWAY 93, HELENA, AL 35080-7907

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateMar 24, 2021
Property Address643 BAYOU LN, MIRAMAR BEACH, FL 32550-5881
Document Number0031892393
Book / Page3189 / 2393
Map ReferenceMB 134 PG 87
Instrument DateMar 24, 2021
Instrument20210014274
Transaction TypeTransfer
Record UpdatedDec 30, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$310.80
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1464 SCOUT RIDGE DR, 1464, HOOVER, AL 35244-3915

Transferred To (Grantee/Buyer)

NameVerified Name
Address4200 HIGHWAY 93, HELENA, AL 35080-7907

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateMar 24, 2021
Property Address643 BAYOU LN, MIRAMAR BEACH, FL 32550-5881
Document Number0031892395
Book / Page3189 / 2395
Map ReferenceMB 134 PG 87
Instrument DateMar 15, 2021
Instrument20210014275
Transaction TypeTransfer
Record UpdatedDec 30, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$515.90
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1464 SCOUT RIDGE DR, 1464, HOOVER, AL 35244-3915

Transferred To (Grantee/Buyer)

NameVerified Name
Address4200 HIGHWAY 93, HELENA, AL 35080-7907

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateMar 24, 2021
Property Address643 BAYOU LN, MIRAMAR BEACH, FL 32550-5881
Document Number0031892397
Book / Page3189 / 2397
Map ReferenceMB 134 PG 87
Instrument DateMar 15, 2021
Instrument20210014276
Transaction TypeTransfer
Record UpdatedDec 30, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$259.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3409 BETHUNE DR, 3409, MOUNTAIN BRK, AL 35223-1454

Transferred To (Grantee/Buyer)

NameVerified Name
Address4200 HIGHWAY 93, HELENA, AL 35080-7907

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateMar 24, 2021
Property Address643 BAYOU LN, MIRAMAR BEACH, FL 32550-5881
Document Number0031892399
Book / Page3189 / 2399
Map ReferenceMB 134 PG 87
Instrument DateMar 15, 2021
Instrument20210014277
Transaction TypeTransfer
Record UpdatedDec 30, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$310.80
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3409 BETHUNE DR, 3409, MOUNTAIN BRK, AL 35223-1454

Transferred To (Grantee/Buyer)

NameVerified Name
Address4200 HIGHWAY 93, HELENA, AL 35080-7907

Tax Assessment & Valuation

The 2025 property tax bill for 643 Bayou Ln was $3,952, up 8.8% from the year before.

Source: Walton County assessment roll, as of December 3, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,952.00 (+8.75%)$471,744 Building $471,744$471,744 Building $471,744
2024$3,634.00 (+5.27%)
2023$3,452.00 (+7.71%)$429,729 (+1%) Building $429,729$429,729 (+1%) Building $429,729
2022$3,205.00$390,663 Building $390,663$390,663 Building $390,663

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

Flood

FEMA maps place 643 Bayou Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation7.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 428 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies645 units insured
incl. 217 condo units
Nearby Flood Claims23 (1998–2024)
Claims Outside the SFHA10 of 23
Most Recent ClaimSep 2024 · rainfall accumulation
Claims by Event
  • Hurricane Sally, Sep 2020 · 3 claims
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 6 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 643 Bayou Ln is low, with a 0.04% annual chance of wildfire.

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

Wildfire RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.04% annual chance
ExposureDirect
burnable vegetation

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 SystemSOUTH WALTON UTILITY COMPANY
private · serves 26,668 people · EPA ID FL1660615
Water SourceGroundwater
Last State InspectionFeb 2026
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 441 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cox Communications
Fiber · Cable in parts of the area		2,000 / 35
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
AT&T
Fixed Wireless		100 / 20

May also be available: CenturyLink, LiveOak Fiber, Wildstar Networks.

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