846 Grand Hbr E, Miramar Beach, FL 32550 Property Records

Walton County property record for 846 Grand Hbr E, Miramar Beach, FL 32550

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 2,239 sqft · built 1993
Lot Size	0.044 acres (1,913 sqft)
Owner	Company Name on Record
Last Sale	$731,000 (Mar 2020)
Tax Bill	$5,971 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`27-2S-21-42620-000-0846`

Property Details

APN / Parcel Number

Primary APN	`27-2S-21-42620-000-0846`
Alternative APNs	`27-221-42620-000-0846` `1056670`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,239 sqft Living Area
Gross Area	2,467 sqft
Flooring	Tile

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2002
Architectural Style	Townhouse
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	1,913 sqft (0.044 acres)
Porch	Finished Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	846 GRAND HBR E
City	MIRAMAR BEACH
State	FL
Zip	32550
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	SD
Legal Description	UNIT 846 PHASE ONE OF GRAND HARBOR PB 10-3 & INTEREST IN COMMON PROPERTY AND LIMITED COMMON PROPERTY AS REC IN OR 919-89 OR 1605-317 &-318 OR 2543-1121 OR 3137-2297 OR 3272-1562
Legal Range	021
Legal Township	02S
Legal Section	27
Legal Subdivision	PHASE ONE OF GRAND HARBOR
Legal Phase	1
Legal Block	8
Legal Lot Number	846
Legal Unit	846
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2001
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	2042 DESMOND CV, GERMANTOWN, TN 38139-4203
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2020 · Amount on Record
Deed Sale	Mar 23, 2020 · Amount on Record
Prior Sale	Sep 18, 2003 · Amount on Record
Deed Document Number	202010463
Deed Book / Page	3137 / 2297
Last Transfer Date	Sep 29, 2022
Transfer Doc	0032721562
Record Updated	Jun 8, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 23, 2020
Property Address	846 GRAND HBR E, MIRAMAR BEACH, FL 32550
Document Number	0031372297
Book / Page	003137 / 002297
Instrument Date	Mar 8, 2020
Instrument	10463
Transaction Type	Transfer
Record Updated	May 29, 2020
Title Company	BRIGHT LINE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,117.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2042 DESMOND CV GERMANTOWN TN 381394203, GERMANTOWN, TN 38139-4203

Mortgage

Document Number	31372300
Date	Mar 23, 2020
Book Page	003137/002300
Instrument	10465

Lender

Name	LEADERS CU
Type	Credit Union
Address	JACKSON, TN 38305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 22, 2050

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	$5,971.00 (-5.64%)	$721,248 (+5.2%) Land $150,000 Building $571,248	$721,248 (+5.2%) Land $150,000 Building $571,248
2024	$6,328.00 (+18.5%)
2023	$5,340.00 (+7.68%)	$685,608 (+1%) Building $685,608	$685,608 (+1%) Building $685,608
2022	$4,959.00	$623,280 Building $623,280	$623,280 Building $623,280

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 428 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	645 units insured incl. 217 condo units
Nearby Flood Claims	23 (1998–2024)
Claims Outside the SFHA	10 of 23
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 3 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 6 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	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% 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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber	2,000 / 35
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50
AT&T Fixed Wireless	100 / 20