73 Saint Simon Cir, Miramar Beach, FL 32550 Property Records

Walton County property record for 73 Saint Simon Cir, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,473 sqft · built 2005
Lot Size	0.071 acres (3,093 sqft)
Owner	Individual Name on Record
Last Sale	$545,000 (Mar 2018)
Tax Bill	$7,743 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-2S-21-42970-000-0290`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42970-000-0290`
Alternative APNs	`29-221-42970-000-0290` `1064994`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,473 sqft Living Area
Gross Area	3,143 sqft
1st Floor Area	1,363 sqft
Flooring	Tile
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Other
Lot Area	3,093 sqft (0.071 acres)
Lot Dimensions	69 ft deep x 45 ft wide
Garage Type	Attached
Garage Area	286 sqft
Driveway	Brick Driveway

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	384 sqft
Deck Area	126 sqft
Patio Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	73 SAINT SIMON CIR
City	MIRAMAR BEACH
State	FL
Zip	32550-8222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LOT 29 EMERALD WATERS VILLAGE PB 13-27 OR 2469-1077 OR 2694-2602 OR 2815-2407 OR 3069-1105 OR 3332-868 OR 3332-868
Legal Range	021
Legal Township	02S
Legal Section	29
Legal Subdivision	EMERALD WATERS VILLAGE
Legal Block	2
Legal Lot Number	29
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 3, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	73 SAINT SIMON CIR, MIRAMAR BEACH, FL 32550-8222
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage ZILLOW HOME LOANS LLC
Mar 28, 2018	Warranty Deed, Transfer · Conventional Mortgage FBT MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2018 · Amount on Record
Deed Sale	Mar 28, 2018 · Amount on Record
Prior Sale	Apr 24, 2009 · Amount on Record
Deed Document Number	20189973
Deed Book / Page	3069 / 1105
Last Transfer Date	Jul 26, 2024
Transfer Doc	0033320868
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	73 SAINT SIMON CIR, MIRAMAR BEACH, FL 32550-8222
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	66 SAINT FRANCIS DR S, MIRAMAR BEACH, FL 32550-8226

Mortgage

Document Number	0031801939
Date	Jan 27, 2021
Book Page	3180/1939
Instrument	20210003956

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company
Address	LEAWOOD, KS 66211

Agreement

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

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 28, 2018
Property Address	73 SAINT SIMON CIR, MIRAMAR BEACH, FL 32550-8222
Document Number	0030691105
Book / Page	3069 / 1105
Map Reference	MB13 PG27&27A
Instrument Date	Mar 23, 2018
Instrument	2018000009973
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MADE LAW & TITLE

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	3101 DOCTORS LAKE DR, 3101, ORANGE PARK, FL 32073-6925

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 ST FRANCES DR, MIRAMAR BEACH, FL 32550

Mortgage

Document Number	2018000009974
Date	Mar 28, 2018
Instrument	2018000009974

Lender

Name	FBT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

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	$7,743.00 (-4.77%)	$900,635 (-10.28%) Land $325,000 Building $575,635	$900,635 (-10.28%) Land $325,000 Building $575,635
2024	$8,131.00 (+4.62%)
2023	$7,772.00 (+13.56%)	$1,003,861 (+21.36%) Land $255,000 Building $748,861	$1,003,861 (+21.36%) Land $255,000 Building $748,861
2022	$6,844.00	$827,204 Land $161,618 Building $665,586	$827,204 Land $161,618 Building $665,586

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 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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