7 Lake St, Miramar Beach, FL 32550 Property Records

Walton County property record for 7 Lake St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	7 bd · 7 ba · 2,902 sqft · built 2022
Lot Size	0.121 acres (5,271 sqft)
Owner	Company Name on Record
Last Sale	$2,190,000 (Nov 2022)
Tax Bill	$11,731 (2025)
Deeds & Mortgages	Nov 2022 Sale Sep 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42050-00I-0040`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42050-00I-0040`
Alternative APNs	`32-221-42050-00I-0040` `1071876`

Interior

Bedrooms	7 Beds
Full Baths	7 Baths
Stories	3 Stories
Building Area	2,902 sqft Living Area
Gross Area	3,518 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	5,271 sqft (0.121 acres)
Lot Dimensions	107 ft deep x 50 ft wide
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7 LAKE ST
City	MIRAMAR BEACH
State	FL
Zip	32550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 4 BLK I FRANGISTA BEACH 2ND ADDITION PB 3-41 OR 1754-243 OR 2619-2550 OR 2621-4300 OR 2642-1524 OR 3003-3604 OR 3025-974 OR 3053-2634 OR 3084-4256 OR 3159-1814 OR 3272-3531
Legal Range	021
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BEACH 2ND ADDITION
Legal Block	I
Legal Lot Number	4
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1033
Census Tract	950609

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	500 WESTOVER DR, SANFORD, NC 27330-8941
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2022	Warranty Deed, Transfer SETCO SERVICES LLC
Sep 11, 2020	Warranty Deed, Transfer SETCO SERVICES LLC, SETCO SVCS LLC
Sep 12, 2018	Warranty Deed, Transfer · Commercial Mortgage WHITNEY BANK
Sep 29, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2022 · Amount on Record
Deed Sale	Nov 10, 2022 · Amount on Record
Prior Sale	Sep 11, 2020 · Amount on Record
Deed Document Number	202249464
Deed Book / Page	3272 / 3531
Prior Transfer Date	Jan 29, 2016
Prior Transfer Doc	0030033604
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Nov 10, 2022
Property Address	7 LAKE ST, MIRAMAR BEACH, FL 32550-5002
Document Number	0032723531
Book / Page	3272 / 3531
Map Reference	MB 3 PG 41
Instrument Date	Nov 7, 2022
Instrument	20220049464
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$15,330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 17252, COVINGTON, KY 41017-0252

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 WESTOVER DR # 18995, 18995, SANFORD, NC 27330-8941

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 11, 2020
Property Address	MIRAMAR BEACH, FL 32550
Document Number	0031591814
Book / Page	003159 / 001814
Instrument Date	Sep 11, 2020
Instrument	35541
Transaction Type	Transfer
Record Updated	Oct 19, 2020
Title Company	SETCO SERVICES LLC, SETCO SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$1,400.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 17252 COVINGTON KY 410170252, COVINGTON, KY 41017-0252

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 12, 2018
Property Address	MIRAMAR BEACH, FL 32550
Document Number	0030844256
Book / Page	3084 / 4256
Map Reference	MB3 PG41
Instrument Date	Sep 7, 2018
Instrument	2018000030806
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

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	160 MENDHAM RD E, 160, MENDHAM, NJ 07945-3015

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	179 SHORE DR, MIRAMAR BEACH, FL 32550-3902
Investor	Possibly a Property Investor

Mortgage

Document Number	2018000030805
Date	Sep 12, 2018
Instrument	2018000030805

Lender

Name	WHITNEY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 29, 2017
Property Address	MIRAMAR BEACH, FL 32550
Document Number	0030532634
Book / Page	003053 / 002634
Instrument Date	Sep 28, 2017
Instrument	32061
Transaction Type	Transfer
Record Updated	Oct 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$875.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	160 MENDHAM RD E MENDHAM NJ 079453015, MENDHAM, NJ 07945-3015

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	$11,731.00 (-19.35%)	$1,298,362 (-18.47%) Land $400,000 Building $898,362	$1,298,362 (-18.47%) Land $400,000 Building $898,362
2024	$14,546.00 (+0.53%)
2023	$14,470.00 (+602.09%)	$1,592,495 (+462.62%) Land $450,000 Building $1,142,495	$1,592,495 (+462.62%) Land $450,000 Building $1,142,495
2022	$2,061.00	$283,050 Land $283,050	$283,050 Land $283,050

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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