778 Scenic Gulf Dr, Unit B113, Miramar Beach, FL 32550 Property Records

Walton County property record for 778 Scenic Gulf Dr, Unit B113, Miramar Beach, FL 32550

Property Summary

Property Type	Condominium
Lot Size	0.029 acres (1,267 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Apr 2018)
Tax Bill	$4,541 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-2S-21-42195-00B-H113`

Property Details

APN / Parcel Number

Primary APN	`33-2S-21-42195-00B-H113`
Alternative APNs	`33-221-42195-00B-H113` `1073954`

Interior

Units	111 Units

Exterior

Architectural Style	Condo/Apartment
Lot Area	1,267 sqft (0.029 acres)

Location & Zoning

Street Address	778 SCENIC GULF DR, B113
City	MIRAMAR BEACH
State	FL
Zip	32550-8014
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	CC
Legal Description	UNIT 113 AMALFI COAST RESORT OR 2365-714 A 1/109TH INT IN ALL COMMON ELEMENTS; AND DESIGNATED LIMITED COMMON ELEMENT OR 2443-1162 OR 2575-1447 OR 2632-2208 OR 3070-2503
Legal Range	021
Legal Township	02S
Legal Section	33
Legal Subdivision	AMALFI COAST RESORT
Legal Block	BH1
Legal Lot Number	H113
Legal Unit	113
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1053
Census Tract	950609

Owner

778 Scenic Gulf Dr, Unit B113 is owned by two individuals who bought it in April 2018.

Source: Walton County records, as of October 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	77 E PIKE ST, 2408, LAWRENCEVILLE, GA 30046-5111
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FBT MORTGAGE LLC
Apr 10, 2018	Warranty Deed, Transfer · ARM FBT MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2018 · Amount on File
Deed Sale	Apr 10, 2018 · Amount on File
Prior Sale	Sep 22, 2004 · Amount on File
Deed Document Number	201811577
Deed Book / Page	3070 / 2503
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	778 SCENIC GULF DR UNIT B113, B113, MIRAMAR BEACH, FL 32550-8014
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031464231
Date	Jun 18, 2020
Book Page	3146/4231
Instrument	20200020973

Lender

Name	FBT MORTGAGE LLC
Type	Mortgage Company
Address	OCEAN SPRINGS, MS 39564

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 10, 2018
Property Address	778 SCENIC GULF DR UNIT B113, B113, MIRAMAR BEACH, FL 32550-8014
Document Number	0030702503
Book / Page	3070 / 2503
Map Reference	MB2365 PG714
Instrument Date	Mar 30, 2018
Instrument	2018000011577
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	PRATT AYCOCK TITLE LLC

Transaction

Amount	Amount on Record
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	404 WINDCREST CT, 404, SALEM, SC 29676-4638

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 DANA POINTE CT, LAWRENCEVILLE, GA 30045-8633

Mortgage

Document Number	2018000011578
Date	Apr 10, 2018
Instrument	2018000011578

Lender

Name	FBT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Apr 11, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Apr 1, 2023
Change Frequency	Annually
Min Rate At Change	2%
Index	Other
Margin	2
Max Rate	11.5%

Tax Assessment & Valuation

The 2025 property tax bill for 778 Scenic Gulf Dr, Unit B113 was $4,541, down 0.7% from the year before.

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	$4,541.00 (-0.68%)	$535,500 Building $535,500	$535,500 Building $535,500
2024	$4,572.00 (+4.93%)
2023	$4,357.00 (+15.54%)	$580,125 (+25%) Building $580,125	$580,125 (+25%) Building $580,125
2022	$3,771.00	$464,100 Building $464,100	$464,100 Building $464,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 778 Scenic Gulf Dr, Unit B113 in Zone X, an area of minimal flood risk, though there have been 64 flood claims nearby since 1995.

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

The area around 778 Scenic Gulf Dr, Unit B113 has no burnable land within ember reach, so its wildfire risk is not rated.

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 138 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
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Wildstar Networks.

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