68 Penelope St, Miramar Beach, FL 32550 Property Records

Walton County property record for 68 Penelope St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,365 sqft · built 2018
Lot Size	0.124 acres (5,401 sqft)
Owner	2 Individual Names on Record
Last Sale	$569,900 (Nov 2018)
Tax Bill	$8,977 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Nov 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00F-0070`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00F-0070`
Alternative APNs	`32-221-42050-00F-0070` `1071842`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,365 sqft Living Area
Gross Area	3,136 sqft
1st Floor Area	1,353 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,401 sqft (0.124 acres)
Lot Dimensions	100 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	441 sqft
Driveway	Brick Driveway
Porch	Finished/Open Porch
Porch Area	330 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	68 PENELOPE ST
City	MIRAMAR BEACH
State	FL
Zip	32550-4641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 7 BLK F FRANGISTA BCH 2ND ADD PB 3-41 OR 1754-243 OR 2619-2550 OR 2621-4240 OR 2697-4355 OR 2762-1099 OR 2762-3011 OR 2908-2258 OR 3054-1359 OR 3090-2330
Legal Range	021
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BCH 2ND ADD
Legal Block	F
Legal Lot Number	7
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1034
Census Tract	950609

Owner

Source: Walton County records, as of December 3, 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	2 Individual Names on Record
Mailing Address	109 CRAVEN DR, MANNFORD, OK 74044-3004
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2019	Deed of Trust, Mortgage · VA Mortgage CERTAINTY HOME LOANS LLC
Nov 16, 2018	Warranty Deed, Transfer · VA Mortgage CERTAINTY HOME LOANS LLC
Oct 5, 2017	Warranty Deed, Transfer BURKE LAW AND TITLE LLC, BURKE LAW & TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2018 · Amount on Record
Deed Sale	Nov 16, 2018 · Amount on Record
Prior Sale	May 29, 2007 · Amount on Record
Deed Document Number	201838538
Deed Book / Page	3090 / 2330
Prior Transfer Date	Dec 20, 2012
Prior Transfer Doc	0029082258
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	68 PENELOPE ST, MIRAMAR BEACH, FL 32550-4641
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031174785
Date	Sep 16, 2019
Book Page	3117/4785
Instrument	20190031856

Lender

Name	CERTAINTY HOME LOANS LLC
Type	Mortgage Company
Address	PLANO, TX 75093

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 16, 2018
Property Address	68 PENELOPE ST, MIRAMAR BEACH, FL 32550-4641
Document Number	0030902330
Book / Page	3090 / 2330
Map Reference	MB3 PG41
Instrument Date	Nov 8, 2018
Instrument	2018000038538
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	PANHANDLE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	543 DRIFTWOOD POINT RD, 543, SANTA ROSA BEACH, FL 32459-1017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	68 PENELOPE ST, MIRAMAR BEACH, FL 32550-4641

Mortgage

Document Number	2018000038539
Date	Nov 16, 2018
Instrument	2018000038539

Lender

Name	CERTAINTY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 5, 2017
Property Address	68 PENELOPE ST, MIRAMAR BEACH, FL 32550-4641
Document Number	0030541359
Book / Page	003054 / 001359
Instrument Date	Oct 2, 2017
Instrument	33015
Transaction Type	Transfer
Record Updated	Oct 23, 2017
Title Company	BURKE LAW AND TITLE LLC, BURKE LAW & TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$770.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1201 DRIFTWOOD POINT RD SANTA ROSA BEACH FL 324593030, SANTA ROSA BEACH, FL 32459-3030

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	$8,977.00 (+89.51%)	$993,611 (-12.25%) Land $400,000 Building $593,611	$993,611 (-12.25%) Land $400,000 Building $593,611
2024	$4,737.00 (+3.79%)
2023	$4,564.00 (+1.2%) Homeowner's exemption	$1,132,317 (+3.12%) Land $450,000 Building $682,317	$1,132,317 (+3.12%) Land $450,000 Building $682,317
2022	$4,510.00 Homeowner's exemption	$1,098,031 Land $283,050 Building $814,981	$1,098,031 Land $283,050 Building $814,981

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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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