Walton County property record for 646 Indigo Loop, Miramar Beach, FL 32550 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2004 |
| Square Footage | 3,611 sqft Living Area |
| Lot Size | 9,278 sqft (0.212 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $845,000 (2006) |
| Tax Bill | $3,797.00 (2024) |
| Primary APN | 30-2S-21-42910-00K-0030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 3,611 sqft Living Area |
| Gross Area | 4,562 sqft Gross Area |
| Stories | 2 Stories |
| Interior Structure | Custom/Decorative Interior Structure |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Wood Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Cathedral/Clerestory Roof Construction |
| Lot Area | 9,278 sqft (0.212 acres) |
| Depth X Width | 11 ft x 13.2 ft Depth x Width |
| Garage Type | Finished Garage |
| Garage Area | 756 sqft Garage |
| Deck Area | 216 sqft Deck |
|---|---|
| Patio Area | 216 sqft Patio |
| Porch | 1 Porch |
| Porch Area | 195 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Account Number | 1069402 |
|---|---|
| Street Address | 646 INDIGO LOOP |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-5230 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 3 BLK K EMERALD BAY PH 1A S/D PB 9-7 AMENDED PB 9-27 OR 2495-1052 OR 2497-421 OR 2734-481 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | EMERALD BAY 1 A AMENDED |
| Legal Phase | 1A |
| Legal Block | K |
| Legal Lot Number | 3 |
| Jurisdiction | WALTON FL |
| Minor Civil Division | WALTON BEACHES |
| Census Blockgroup | 1 |
| Census Block | 1003 |
| Census Tract | 950608 |
Source: Walton County records · APN 30-2S-21-42910-00K-0030
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 646 INDIGO LOOP, MIRAMAR BEACH, FL 32550-5230 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 29, 2024 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Mar 21, 2019 | Deed of Trust, Mortgage · Adjustable Rate Mortgage (ARM) AMERIS BANK |
| May 06, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RENASANT BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 11, 2006 · Amount on Record |
| Deed Sale | Sep 11, 2006 · Amount on Record |
| Prior Sale | May 02, 2003 · Amount on Record |
| Deed Doc Number | 964900 |
| Deed Book / Page | 2734 / 0481 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 646 INDIGO LOOP, MIRAMAR BEACH, FL 32550-5230 |
| Transaction Type | Mortgage |
| Record Updated | Feb 09, 2024 |
| Name | Verified Name |
|---|---|
| Address | 646 INDIGO LOOP, MIRAMAR BEACH, FL 32550-5230 |
| Document Number | 0033134816 |
|---|---|
| Date | Jan 29, 2024 |
| Book Page | 3313/4816 |
| Instrument | 20240002889 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 05, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 646 INDIGO LOOP, MIRAMAR BEACH, FL 32550-5230 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031000839 |
|---|---|
| Date | Mar 21, 2019 |
| Book Page | 3100/0839 |
| Instrument | 20190008471 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Apr 01, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.75% |
| Index | 1-Year LIBOR |
| Max Rate | 10.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 646 INDIGO LOOP, MIRAMAR BEACH, FL 32550-5230 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031420232 |
|---|---|
| Date | May 06, 2020 |
| Book Page | 3142/232 |
| Instrument | 20200015440 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, MO 65203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2050 |
Source: Walton County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $843,995 (+2.4%) Land $161,000 Building $682,995 | $843,995 (+2.4%) Land $161,000 Building $682,995 | |
| 2024 | $3,797.00 (+3.86%) | ||
| 2023 | $3,656.00 (+1.25%) Homeowner's exemption | $824,188 (-0.95%) Land $161,000 Building $663,188 | $824,188 (-0.95%) Land $161,000 Building $663,188 |
| 2022 | $3,611.00 Homeowner's exemption | $832,130 Land $146,617 Building $685,513 | $832,130 Land $146,617 Building $685,513 |
646 Indigo Loop is in FEMA Zone X, outside the Special Flood Hazard Area, in Coastal Barrier Resources unit P32, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Walton County (12131C), updated June 18, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
Source: USFWS Coastal Barrier Resources System · December 19, 2024 release
| Coastal Barrier Resources System | Yes Unit P32 “Moreno Point” · System Unit · added October 18, 1982 |
|---|---|
| Federal Flood Insurance | Not eligible (built 2004) NFIP excludes structures built or substantially improved after October 1, 1983 (CBRA) · private flood insurance only |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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