678 Shore Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 678 Shore Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 1973
Lot Size	0.608 acres (26,484 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,600 (Dec 2025)
Tax Bill	$8,567 (2025)
Deeds & Mortgages	Dec 2025 Sale May 2022 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`29-2S-21-42140-00F-0080`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42140-00F-0080`
Alternative APNs	`29-221-42140-00F-0080` `1063189`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,152 sqft Living Area
Gross Area	2,202 sqft
1st Floor Area	1,152 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1985
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	26,484 sqft (0.608 acres)
Lot Dimensions	265 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	360 sqft
Patio Area	690 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	678 SHORE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-5209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BAYS
Legal Description	LOT 8 BLK F HOLIDAY SHORES ESTATES 1ST ADDITION PB 3-91 OR 1918-399 &-400 OR 2497-260
Legal Range	021
Legal Township	02S
Legal Section	29
Legal Subdivision	HOLIDAY SHORES ESTATES 1
Legal Block	F
Legal Lot Number	8
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1001
Census Tract	950608

Owner

Source: Walton County records, as of December 23, 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	1296 TULIP CT, AUBURN, AL 36830-1878
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2025	Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION
May 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage AXIA FINANCIAL LLC
Nov 17, 2021	Warranty Deed, Transfer · Conventional Mortgage AXIA FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2025 · Amount on Record
Deed Sale	Dec 2, 2025 · Amount on Record
Prior Sale	Nov 17, 2021 · Amount on Record
Deed Document Number	202544192
Deed Book / Page	3379 / 2351
Prior Transfer Date	Nov 26, 2025
Prior Transfer Doc	0033792351
Record Updated	Jun 8, 2026

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Dec 2, 2025
Property Address	678 SHORE DR, MIRAMAR BEACH, FL 32550-5209
Document Number	0033792351
Book / Page	3379 / 2351
Map Reference	MB 3 PG 91
Instrument Date	Nov 26, 2025
Instrument	20250044192
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$914.20
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1296 TULIP CT, AUBURN, AL 36830-1878

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1296 TULIP CT, AUBURN, AL 36830-1878

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	678 SHORE DR, MIRAMAR BEACH, FL 32550-5209
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 W 57TH ST 1156, 1156, NEW YORK, NY 10019-2657

Mortgage

Document Number	0032524119
Date	May 18, 2022
Book Page	3252/4119
Instrument	20220023687

Lender

Name	AXIA FINANCIAL LLC
Type	Mortgage Company
Address	BELLEVUE, WA 98004

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Dec 1, 2051

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 17, 2021
Property Address	678 SHORE DR, MIRAMAR BEACH, FL 32550-5209
Document Number	0032254099
Book / Page	3225 / 4099
Map Reference	MB 3 PG 91
Instrument Date	Nov 15, 2021
Instrument	20210057263
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,731.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1194, DESTIN, FL 32540-1194

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1296 TULIP CT, AUBURN, AL 36830-1878

Mortgage

Document Number	0032254101
Date	Nov 17, 2021
Instrument	3225/4101

Lender

Name	AXIA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

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	$8,567.00 (+1.87%)	$976,067 (-3.62%) Land $879,000 Building $97,067	$976,067 (-3.62%) Land $879,000 Building $97,067
2024	$8,410.00 (+5.19%)
2023	$7,995.00 (+24.36%)	$1,012,680 (+45.97%) Land $879,000 Building $133,680	$1,012,680 (+45.97%) Land $879,000 Building $133,680
2022	$6,429.00	$693,760 Land $558,773 Building $134,987	$693,760 Land $558,773 Building $134,987

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 148 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	12 (2004–2024)
Claims Outside the SFHA	5 of 12
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Sally, Sep 2020 · 5 claims Hurricane Michael, Oct 2018 · 2 claims Hurricane Frances, Sep 2004 · 2 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 214 locations within half a mile, as of December 31, 2025

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

May also be available: Wildstar Networks.

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