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654 Bayou Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 654 Bayou Dr, Miramar Beach, FL 32550

Property Summary

Property TypeCondominium
Lot Size0.051 acres (2,200 sqft)
Owner2 Trust Names on File
Last Sale$100 (Jul 2015)
Tax Bill$3,952 (2025)
Deeds & MortgagesNov 2025 Transfer
Oct 2025 Transfer
Flood ZoneZone AE (high risk)
APN27-2S-21-42070-000-6540

Property Details

APN / Parcel Number

Primary APN27-2S-21-42070-000-6540
Alternative APNs
  • 27-221-42070-000-6540
  • 1055743

Exterior

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

Location & Zoning

Street Address654 BAYOU DR
CityMIRAMAR BEACH
StateFL
Zip32550-4871
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeSD
Legal DescriptionUNIT 654 BAYOU VILLAGE PHASE II IN SANDESTIN & 1/32 INT IN COMMON ELEMENTS AS RECORDED IN OR 134-87 OR 2272-328 OR 2624-481 OR 3375-2494
Legal Range021
Legal Township02S
Legal Section27
Legal SubdivisionBAYOU VILLAGE
Legal Phase2
Legal Block65
Legal Lot Number6540
Legal Unit654
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group2
Census Block2007
Census Tract950609

Owner

654 Bayou Dr, a condominium, is held in a trust since October 2025.

Source: Walton County records, as of August 6, 2026

Owner of Record2 Trust Names on File
Mailing Address5600 CANONGATE LN, SHOAL CREEK, AL 35242-6431
Owner TypeCompany
VestingTrust, Revocable Trust

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
Nov 17, 2025Intrafamily Transfer, Transfer
Oct 27, 2025Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 1, 2015 · Amount on File
Deed SaleJul 1, 2015 · Amount on File
Prior SaleAug 2, 2004 · Amount on File
Deed Book / Page2986 / 2016
Last Transfer DateOct 30, 2025
Transfer Doc0033774054
Record UpdatedOct 29, 2026

November 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionWALTON FL
Recording DateNov 17, 2025
Property Address654 BAYOU DR, MIRAMAR BEACH, FL 32550-4871
Document Number0033774054
Book / Page3377 / 4054
Map ReferenceMB 134 PG 67
Instrument DateOct 31, 2025
Instrument20250042407
Transaction TypeTransfer
Record UpdatedNov 28, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address5600 CANONGATE LN, SHOAL CREEK, AL 35242-6431

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address5600 CANONGATE LN, SHOAL CREEK, AL 35242-6431

October 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionWALTON FL
Recording DateOct 27, 2025
Property Address654 BAYOU DR, MIRAMAR BEACH, FL 32550-4871
Document Number0033752494
Book / Page3375 / 2494
Instrument DateOct 14, 2025
Instrument20250039028
Transaction TypeTransfer
Record UpdatedNov 10, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address5600 CANONGATE LN, SHOAL CREEK, AL 35242-6431

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address5600 CANONGATE LN, SHOAL CREEK, AL 35242-6431

Tax Assessment & Valuation

The 2025 property tax bill for 654 Bayou Dr 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 (+9.78%) Building $471,744$471,744 (+9.78%) Building $471,744
2024$3,634.00 (+5.27%)$429,729 (-) Building $429,729$429,729 (-) Building $429,729
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 654 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 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 654 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 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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