845 Forest Shore Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 845 Forest Shore Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,552 sqft · built 1985
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (May 2026)
Tax Bill	$3,648 (2025)
Deeds & Mortgages	May 2026 Sale Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-2S-21-42300-00P-0130`

Property Details

APN / Parcel Number

Primary APN	`19-2S-21-42300-00P-0130`
Alternative APNs	`19-221-42300-00P-0130` `1033398`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,552 sqft Living Area
Gross Area	3,012 sqft
1st Floor Area	1,552 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2005
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	144 ft deep x 91 ft wide
Garage Type	Attached
Garage Area	780 sqft
Porch	Open/Unfinished Porch
Porch Area	452 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	845 FOREST SHORE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-3900
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 BLK P HOLIDAY SHORES EST 4TH ADD PB 4-27 OR 3028-4500 OR 3046-3659
Legal Range	021
Legal Township	02S
Legal Section	19
Legal Subdivision	HOLIDAY SHORES EST 4
Legal Block	P
Legal Lot Number	13
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950608

Owner

845 Forest Shore Dr is owned by two individuals who bought it in May 2026.

Source: Walton County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11 E HAZELCROFT AVE, NEW CASTLE, PA 16105-1749
Owner Type	Individual
Vesting	Husband and Wife

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
May 12, 2026	Warranty Deed, Transfer MCNEESE TITLE LLC, MCNEESE TITLE
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY LENDING GROUP LLC
Jul 14, 2017	Warranty Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2026 · Amount on File
Deed Sale	May 12, 2026 · Amount on File
Prior Sale	Jul 14, 2017 · Amount on File
Deed Document Number	202619189
Deed Book / Page	3397 / 4562
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 12, 2026
Property Address	845 FOREST SHORE DR, MIRAMAR BEACH, FL 32550-3900
Document Number	0033974562
Book / Page	3397 / 4562
Instrument Date	May 6, 2026
Instrument	2026.19189
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	MCNEESE TITLE LLC, MCNEESE TITLE

Transaction

Amount	Amount on Record
Tax	$374,710.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 E HAZELCROFT AVE, NEW CASTLE, PA 16105-1749

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	845 FOREST SHORE DR, MIRAMAR BEACH, FL 32550-3900
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MCGILL ESCROW & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	845 FOREST SHORE DR, MIRAMAR BEACH, FL 32550-3900

Mortgage

Document Number	0031752969
Date	Dec 29, 2020
Book Page	3175/2969
Instrument	20200053746

Lender

Name	UNIVERSITY LENDING GROUP LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 14, 2017
Property Address	845 FOREST SHORE DR, MIRAMAR BEACH, FL 32550-3900
Document Number	0030463659
Book / Page	3046 / 3659
Map Reference	MB4 PG27
Instrument Date	Jul 13, 2017
Instrument	20170023031
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MCGILL ESCROW & TITLE

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	736 SAINT THOMAS CV, 736, NICEVILLE, FL 32578-3818

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63 BALD EAGLE CT, SANTA ROSA BEACH, FL 32459-8321

Mortgage

Document Number	0030463660
Date	Jul 14, 2017
Instrument	3046/3660

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 845 Forest Shore Dr was $3,648, down 15.7% 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	$3,648.00 (-15.69%)	$403,760 Land $159,500 Building $244,260	$403,760 Land $159,500 Building $244,260
2024	$4,327.00 (+14.93%)
2023	$3,765.00 (-4.1%)	$414,387 (-2.21%) Land $75,997 Building $338,390	$414,387 (-2.21%) Land $75,997 Building $338,390
2022	$3,926.00	$423,742 Land $84,356 Building $339,386	$423,742 Land $84,356 Building $339,386

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

Flood

FEMA maps place 845 Forest Shore Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 845 Forest Shore Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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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