652 Bayou Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 652 Bayou Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Condominium
Lot Size	0.051 acres (2,200 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Oct 2017)
Tax Bill	$3,428 (2025)
Deeds & Mortgages	Oct 2017 Sale Jan 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`27-2S-21-42070-000-6520`

Property Details

APN / Parcel Number

Primary APN	`27-2S-21-42070-000-6520`
Alternative APNs	`27-221-42070-000-6520` `1055741`

Exterior

Architectural Style	Condo/Apartment
Lot Area	2,200 sqft (0.051 acres)

Location & Zoning

Street Address	652 BAYOU DR
City	MIRAMAR BEACH
State	FL
Zip	32550-4869
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SD
Legal Description	UNIT 652 BAYOU VILLAGE PHASE II SANDESTIN & 1/32 INT IN COMMON ELEMENT AS RECD IN OR 134-87 OR 1996-447 OR 2711-4949 OR 2714-2571 OR 3030-4038 OR 3055-950
Legal Range	021
Legal Township	02S
Legal Section	27
Legal Subdivision	BAYOU VILLAGE
Legal Phase	2
Legal Block	65
Legal Lot Number	6520
Legal Unit	652
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2007
Census Tract	950609

Owner

652 Bayou Dr, a condominium, is owned by an individual who bought it in October 2017.

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

Owner of Record	Individual Name on File
Mailing Address	668 TWIN LAKES DR, DEFUNIAK SPRINGS, FL 32433-4083
Owner Type	Individual

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

Date	Document
Oct 17, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Jan 11, 2017	Warranty Deed, Transfer · Conventional with PMI BANCORPSOUTH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2017 · Amount on File
Deed Sale	Oct 17, 2017 · Amount on File
Prior Sale	Jan 11, 2017 · Amount on File
Deed Document Number	201734398
Deed Book / Page	3055 / 950
Prior Transfer Date	Feb 27, 2006
Prior Transfer Doc	0027114949
Record Updated	Jun 8, 2026

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 17, 2017
Property Address	652 BAYOU DR, MIRAMAR BEACH, FL 32550-4869
Document Number	0030550950
Book / Page	003055 / 000950
Instrument Date	Oct 11, 2017
Instrument	34398
Transaction Type	Transfer
Record Updated	Dec 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,030.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	668 TWIN LAKES DR DEFUNIAK SPRINGS FL 324334083, DEFUNIAK SPRINGS, FL 32433-4083

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jan 11, 2017
Property Address	652 BAYOU DR, MIRAMAR BEACH, FL 32550-4869
Document Number	0030304038
Book / Page	003030 / 004038
Instrument Date	Jan 9, 2017
Instrument	1031
Transaction Type	Transfer
Record Updated	Feb 23, 2017
Title Company	CUSTOMERS FIRST TITLE COMPANY, CUSTOMERS FIRST TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	60 WATERFALL DR #II CANTON MA 020214177, II, CANTON, MA 02021-4177

Mortgage

Document Number	30304040
Date	Jan 11, 2017
Book Page	003030/004040
Instrument	1032

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-3356

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 10, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 652 Bayou Dr was $3,428, up 8.7% from the year before.

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	$3,428.00 (+8.72%)	$409,248 Building $409,248	$409,248 Building $409,248
2024	$3,153.00 (+5.28%)
2023	$2,995.00 (+7.73%)	$372,799 (+1%) Building $372,799	$372,799 (+1%) Building $372,799
2022	$2,780.00	$338,909 Building $338,909	$338,909 Building $338,909

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

Flood

FEMA maps place 652 Bayou Dr 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 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 File 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

Wildfire risk around 652 Bayou Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct 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 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 441 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

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

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