649 Shore Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 649 Shore Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,089 sqft · built 2024
Lot Size	0.301 acres (13,112 sqft)
Owner	2 Company Names on Record
Last Sale	$130,000 (May 2021)
Tax Bill	$7,250 (2025)
Deeds & Mortgages	Aug 2024 Mortgage Oct 2025 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`29-2S-21-42145-00G-0090`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42145-00G-0090`
Alternative APNs	`29-221-42145-00G-0090` `1063218`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,089 sqft Living Area
Gross Area	5,154 sqft
Flooring	Tile

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	13,112 sqft (0.301 acres)
Lot Dimensions	125 ft deep x 105 ft wide
Garage Type	Attached
Garage Area	674 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	649 SHORE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-3892
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 9 BLK G OR 42-71 HOLIDAY SHORES EST 2ND ADD PB 4-18 OR 2358-1750 OR 2476-1297 OR 2611-1239 OR 2899-2118 OR 3099-3206 OR 3196-3755 OR 3272-3057
Legal Range	021
Legal Township	02S
Legal Section	29
Legal Subdivision	HOLIDAY SHORES EST 2
Legal Block	G
Legal Lot Number	9
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1011
Census Tract	950608

Owner

Source: Walton County records, as of December 3, 2025

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

Owner of Record	2 Company Names on Record
Mailing Address	641 BAYSHORE DR, MIRAMAR BEACH, FL 32550-4073
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2024	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN BEAR CAPITAL INIC
Oct 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED LENDING TEAM LLC
Aug 30, 2024	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN BEAR CAPITAL INIC
Nov 9, 2022	Divorce Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 7, 2021	Warranty Deed, Transfer PRIOR TITLE, PRIORITY TITLE
Mar 15, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2021 · Amount on Record
Deed Sale	May 7, 2021 · Amount on Record
Prior Sale	Sep 6, 2012 · Amount on Record
Deed Document Number	202122883
Deed Book / Page	3196 / 3755
Last Transfer Date	Nov 3, 2022
Transfer Doc	0032723057
Record Updated	Sep 20, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	649 SHORE DR, MIRAMAR BEACH, FL 32550-3892
Transaction Type	Mortgage
Record Updated	Jan 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 BAYSHORE DR, MIRAMAR BEACH, FL 32550-4073

Mortgage

Document Number	0033343502
Date	Aug 30, 2024
Book Page	3334/3502
Instrument	20240030624

Lender

Name	GOLDEN BEAR CAPITAL INIC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	649 SHORE DR, MIRAMAR BEACH, FL 32550-3892
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 BAYSHORE DR, DESTIN, FL 32550-4073

Mortgage

Document Number	0033742058
Date	Oct 16, 2025
Book Page	3374/2058
Instrument	20250037716

Lender

Name	UNITED LENDING TEAM LLC
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	649 SHORE DR, MIRAMAR BEACH, FL 32550-3892
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 BAYSHORE DR, MIRAMAR BEACH, FL 32550-4073

Mortgage

Document Number	0033343502
Date	Aug 30, 2024
Book Page	3334/3502
Instrument	20240030624

Lender

Name	GOLDEN BEAR CAPITAL INIC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

November 2022: Divorce Transfer, Transfer

Document Type	Divorce Transfer
Jurisdiction	WALTON FL
Recording Date	Nov 9, 2022
Property Address	649 SHORE DR, MIRAMAR BEACH, FL 32550-3892
Document Number	0032723057
Book / Page	3272 / 3057
Map Reference	MB 4 PG 18
Instrument Date	Nov 3, 2022
Instrument	20220049302
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	260 EXUMA WAY APT 227, 227, SANTA ROSA BEACH, FL 32459-7060

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	641 BAYSHORE DR, MIRAMAR BEACH, FL 32550-4073

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 7, 2021
Property Address	649 SHORE DR, MIRAMAR BEACH, FL 32550-3892
Document Number	0031963755
Book / Page	3196 / 3755
Map Reference	MB 4 PG 18
Instrument Date	May 7, 2021
Instrument	20210022883
Transaction Type	Transfer
Record Updated	Dec 18, 2025
Title Company	PRIOR TITLE, PRIORITY TITLE

Transaction

Amount	Amount Recorded
Tax	$910.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1909 PALMETTO PALM CIR, NICEVILLE, FL 32578-3521

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 BAYSHORE DR, MIRAMAR BEACH, FL 32550-4073

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 15, 2019
Property Address	SHORE DR, MIRAMAR BEACH, FL 32550
Document Number	0030993206
Book / Page	003099 / 003206
Instrument Date	Mar 4, 2019
Instrument	7727
Transaction Type	Transfer
Record Updated	Mar 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1909 PALMETTO PALM CIR NICEVILLE FL 325783521, NICEVILLE, FL 32578-3521

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	$7,250.00 (+332.58%)	$802,432 (+337.29%) Land $200,000 Building $602,432	$802,432 (+337.29%) Land $200,000 Building $602,432
2024	$1,676.00 (+0.54%)	$183,500 (-) Land $183,500	$183,500 (-) Land $183,500
2023	$1,667.00 (+46.74%)	$183,500 (+49.61%) Land $183,500	$183,500 (+49.61%) Land $183,500
2022	$1,136.00	$122,655 Land $122,655	$122,655 Land $122,655

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 148 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	12 (2004–2024)
Claims Outside the SFHA	5 of 12
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Sally, Sep 2020 · 5 claims Hurricane Michael, Oct 2018 · 2 claims Hurricane Frances, Sep 2004 · 2 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 214 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Wildstar Networks.

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