67 Penelope St, Miramar Beach, FL 32550 Property Records

Walton County property record for 67 Penelope St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	6 bd · 8 ba · 3,693 sqft · built 2020
Lot Size	0.142 acres (6,229 sqft)
Owner	Company Name on File
Tax Bill	$16,152 (2024)
Deeds & Mortgages	Mar 2023 Sale Feb 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00G-0100`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00G-0100`
Alternative APN	`1071854`

Interior

Bedrooms	6 Beds
Full Baths	8 Baths
Stories	3 Stories
Building Area	3,693 sqft Living Area
Gross Area	4,489 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	6,229 sqft (0.142 acres)
Lot Dimensions	11.5 ft deep x 5.5 ft wide
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1071854
Street Address	67 PENELOPE ST
City	MIRAMAR BEACH
State	FL
Zip	32550
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 BLK G FRANGISTA BEACH 2ND ADDITION PB 3-41 OR 1754-243 OR 2696-2350 OR 3118-2674 OR 3136-4573 OR 3237-2301 OR
Legal Range	21W
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BCH 2ND ADD S/D
Legal Block	G
Legal Lot Number	10 11
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1031
Census Tract	950609

Owner

Source: Walton County records, as of December 17, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	15 CAHILL CT, LAKESIDE PARK, KY 41017-2163
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Feb 4, 2022	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Jun 23, 2020	Warranty Deed, Transfer NOT AVAILABLE
Mar 18, 2020	Quit Claim Deed, Transfer · Construction Mortgage RONASANT BANK
Nov 23, 2019	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE
Sep 20, 2019	Warranty Deed, Transfer · Conventional with PMI FRANGISTA LEGACY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2023
Deed Sale	Mar 6, 2023
Prior Sale	Feb 4, 2022 · Amount on File
Deed Document Number	20230007522
Deed Book / Page	3282 / 1922
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 6, 2023
Property Address	67 PENELOPE ST, MIRAMAR BEACH, FL 32550
Document Number	0032821922
Book / Page	3282 / 1922
Map Reference	MB 3 PG 41
Instrument Date	Jan 31, 2023
Instrument	20230007522
Transaction Type	Transfer
Record Updated	Mar 27, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 CAHILL CT, LAKESIDE PARK, KY 41017-2163

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 4, 2022
Property Address	67 PENELOPE ST, MIRAMAR BEACH, FL 32550
Document Number	0032372301
Book / Page	3237 / 2301
Map Reference	MB 3 PG 41
Instrument Date	Jan 31, 2022
Instrument	20220005354
Transaction Type	Transfer
Record Updated	Feb 18, 2022
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 6723, MIRAMAR BEACH, FL 32550-1013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 CAHILL CT, LAKESIDE PARK, KY 41017-2163

Mortgage

Document Number	0032372303
Date	Feb 4, 2022
Instrument	3237/2303

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Feb 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.37%
Index	1-Year CMT
Max Rate	7.37%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 23, 2020
Property Address	67 PENELOPE ST, MIRAMAR BEACH, FL 32550
Document Number	0031471444
Book / Page	003147 / 001444
Instrument Date	Jun 22, 2020
Instrument	21543
Transaction Type	Transfer
Record Updated	Aug 3, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,470.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 MARIGOT BAY CIR MIRAMAR BEACH FL 325508264, MIRAMAR BEACH, FL 32550-8264

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Mar 18, 2020
Property Address	67 PENELOPE ST, MIRAMAR BEACH, FL 32550
Document Number	0031364573
Book / Page	3136 / 4573
Map Reference	MB 3 PG 41
Instrument Date	Mar 13, 2020
Instrument	20200009858
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Tax	$1,321.60
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	179 SHORE DR, 179, MIRAMAR BEACH, FL 32550-3902

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	179 SHORE DR, MIRAMAR BEACH, FL 32550-3902

Mortgage

Document Number	0031364575
Date	Mar 18, 2020
Instrument	3136/4575

Lender

Name	RONASANT BANK
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	60 Months
Due	Mar 15, 2025

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 23, 2019
Property Address	67 PENELOPE ST, MIRAMAR BEACH, FL 32550
Document Number	0031251593
Book / Page	003125 / 001593
Instrument Date	Nov 22, 2019
Instrument	41327
Transaction Type	Transfer
Record Updated	Dec 16, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Tax	$1,470.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	179 SHORE DR MIRAMAR BEACH FL 325503902, MIRAMAR BEACH, FL 32550-3902

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 20, 2019
Property Address	67 PENELOPE ST, MIRAMAR BEACH, FL 32550
Document Number	0031182674
Book / Page	003118 / 002674
Instrument Date	Sep 9, 2019
Instrument	32645
Transaction Type	Transfer
Record Updated	Oct 14, 2019
Title Company	MEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	179 SHORE DR MIRAMAR BEACH FL 325503902, MIRAMAR BEACH, FL 32550-3902

Mortgage

Document Number	31182676
Date	Sep 20, 2019
Book Page	003118/002676
Instrument	32646

Lender

Name	FRANGISTA LEGACY INC
Address	PO BOX 9115, MIRAMAR BEACH, FL 32550-1021

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$1,418,134 (-19.81%) Land $475,000 Building $943,134	$1,418,134 (-19.81%) Land $475,000 Building $943,134
2024	$16,152.00 (+0.52%)
2023	$16,068.00 (+63.48%)	$1,768,369 (+31.67%) Land $450,000 Building $1,318,369	$1,768,369 (+31.67%) Land $450,000 Building $1,318,369
2022	$9,829.00	$1,342,986 Land $283,050 Building $1,059,936	$1,342,986 Land $283,050 Building $1,059,936

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 750 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4,168 units insured incl. 3,418 condo units
Nearby Flood Claims	64 (1995–2024)
Claims Outside the SFHA	45 of 64
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 7 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 29 claims Hurricane Frances, Sep 2004 · 10 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 360 locations within half a mile, as of December 31, 2025

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

May also be available: CenturyLink, T-Mobile, Wildstar Networks.

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