657 Bayou Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 657 Bayou Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Condominium
Lot Size	0.051 acres (2,200 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Dec 2021)
Tax Bill	$3,697 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`27-2S-21-42070-000-6570`

Property Details

APN / Parcel Number

Primary APN	`27-2S-21-42070-000-6570`
Alternative APNs	`27-221-42070-000-6570` `1055746`

Exterior

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

Location & Zoning

Street Address	657 BAYOU DR
City	MIRAMAR BEACH
State	FL
Zip	32550-4870
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SD
Legal Description	UNIT 657 BAYOU VILLAGE PH II SANDESTIN CONDO AND 1/32 INT IN COMMON ELEMENT AS REC IN OR 134-87 OR 470-332 OR 2899-3542 OR 2951-4337 OR 3048-2160 OR 3230-1162
Legal Range	021
Legal Township	02S
Legal Section	27
Legal Subdivision	BAYOU VILLAGE PH II SANDESTIN CONDO
Legal Phase	2
Legal Block	65
Legal Lot Number	6570
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2009
Census Tract	950609

Owner

657 Bayou Dr, a condominium, is owned by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1212 DAME SUSAN LN, LEWISVILLE, TX 75056-5778
Owner Type	Individual
Vesting	Husband and Wife

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
Dec 20, 2021	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK
Aug 1, 2017	Warranty Deed, Transfer · Conventional Mortgage BANCORPSOUTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2021 · Amount on File
Deed Sale	Dec 20, 2021 · Amount on File
Prior Sale	Aug 1, 2017 · Amount on File
Deed Document Number	202162494
Deed Book / Page	3230 / 1162
Prior Transfer Date	Dec 15, 2021
Prior Transfer Doc	0032301162
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 20, 2021
Property Address	657 BAYOU DR, MIRAMAR BEACH, FL 32550-4870
Document Number	0032301162
Book / Page	3230 / 1162
Map Reference	MB 134 PG 87
Instrument Date	Dec 15, 2021
Instrument	20210062494
Transaction Type	Transfer
Record Updated	Jan 7, 2022
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1169 CHALFONT WALK NE, 1169, BROOKHAVEN, GA 30319-2898

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1212 DAME SUSAN LN, LEWISVILLE, TX 75056-5778

Mortgage

Document Number	0032301164
Date	Dec 20, 2021
Instrument	3230/1164

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 1, 2017
Property Address	657 BAYOU DR, MIRAMAR BEACH, FL 32550-4870
Document Number	0030482160
Book / Page	003048 / 002160
Instrument Date	Jul 24, 2017
Instrument	25239
Transaction Type	Transfer
Record Updated	Aug 16, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,199.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1975 N RIDGEWAY RD NE ATLANTA GA 303453438, ATLANTA, GA 30345-3438

Mortgage

Document Number	30482162
Date	Aug 1, 2017
Book Page	003048/002162
Instrument	25240

Lender

Name	BANCORPSOUTH
Type	Bank
Address	TUPELO, MS 38803-3356

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 657 Bayou Dr was $3,697, up 8.6% 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	$3,697.00 (+8.58%)	$409,248 Building $409,248	$409,248 Building $409,248
2024	$3,405.00 (+0.53%)
2023	$3,387.00 (+7.87%)	$372,799 (+1%) Building $372,799	$372,799 (+1%) Building $372,799
2022	$3,140.00	$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 657 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 657 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.

Nearby Properties on Bayou Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures