65 Bay Tree Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 65 Bay Tree Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,638 sqft · built 1994
Lot Size	0.126 acres (5,489 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Aug 2020)
Tax Bill	$3,471 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-2S-21-42401-00A-0060`

Property Details

APN / Parcel Number

Primary APN	`28-2S-21-42401-00A-0060`
Alternative APNs	`28-221-42401-00A-0060` `1060402`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,638 sqft Living Area
Gross Area	2,150 sqft
1st Floor Area	1,638 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,489 sqft (0.126 acres)
Lot Dimensions	100 ft deep x 54 ft wide
Garage Type	Attached
Garage Area	380 sqft
Porch	Enclosed/Finished Porch
Porch Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	65 BAY TREE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-4882
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 6 BLK A TREETOPS AT BAYSIDE PB 10-23 OR 1136-247 OR 1390-294 OR 2848-4315 OR 3155-1561
Legal Range	021
Legal Township	02S
Legal Section	28
Legal Subdivision	BAYSIDE
Legal Block	A
Legal Lot Number	6
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2006
Census Tract	950609

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 Individual Names on Record
Mailing Address	305 CREST DR, MIRAMAR BEACH, FL 32550-8669
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2020 · Amount on Record
Deed Sale	Aug 17, 2020 · Amount on Record
Deed Document Number	202030759
Deed Book / Page	3155 / 1561
Prior Transfer Date	Aug 23, 2010
Prior Transfer Doc	0028484315
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 17, 2020
Property Address	65 BAY TREE DR, MIRAMAR BEACH, FL 32550-4882
Document Number	0031551561
Book / Page	3155 / 1561
Map Reference	MB 10 PG 23
Instrument Date	Jul 31, 2020
Instrument	20200030759
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	BRIGHT LIGHT LAND TTL CO LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	164 W HEWETT RD # RD215, 164, SANTA ROSA BEACH, FL 32459-3310

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 BAY TREE DR, MIRAMAR BEACH, FL 32550-4882

Mortgage

Document Number	0031551563
Date	Aug 17, 2020
Instrument	3155/1563

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

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	$3,471.00 (-2.14%)	$384,236 (+6.39%) Land $85,000 Building $299,236	$384,236 (+6.39%) Land $85,000 Building $299,236
2024	$3,547.00 (+8.11%)
2023	$3,281.00 (+109.11%)	$361,147 (+8.52%) Land $53,735 Building $307,412	$361,147 (+8.52%) Land $53,735 Building $307,412
2022	$1,569.00 Homeowner's exemption	$332,782 Land $59,646 Building $273,136	$332,782 Land $59,646 Building $273,136

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 428 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	645 units insured incl. 217 condo units
Nearby Flood Claims	23 (1998–2024)
Claims Outside the SFHA	10 of 23
Most Recent Claim	Sep 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 337 locations within half a mile, as of December 31, 2025

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

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