854 Shore Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 854 Shore Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,799 sqft · built 1987
Lot Size	0.532 acres (23,174 sqft)
Owner	2 Individual Names on Record
Last Sale	$755,000 (Mar 2020)
Tax Bill	$6,613 (2024)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`29-2S-21-42140-00F-0170`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42140-00F-0170`
Alternative APN	`1063198`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,799 sqft Living Area
Gross Area	2,742 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1992
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Roof Material	Tin
Lot Area	23,174 sqft (0.532 acres)
Lot Dimensions	23.2 ft deep x 10 ft wide
Garage Type	Detached - Finished
Garage Area	480 sqft
Porch	Porch
Porch Area	463 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1063198
Street Address	854 SHORE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-5277
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BAYS
Legal Description	LOT 17 BLK F OR 47-397 HOLIDAY SHORES 1ST ADD PB 3-91 OR 414-781 OR 2007-60 OR 2380-486 OR 2986-1732 OR 3007-3082 OR
Legal Range	21W
Legal Township	02S
Legal Section	29
Legal Subdivision	HOLIDAY SHORES EST 1ST ADD
Legal Block	F
Legal Lot Number	17
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1001
Census Tract	950608

Owner

Source: Walton County records, as of December 17, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	854 SHORE DR, MIRAMAR BEACH, FL 32550-5277
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2020	Deed of Trust, Mortgage · VA Mortgage TRIDENT HOME LOANS
Mar 31, 2020	Warranty Deed, Transfer · VA Mortgage PRIVATE INDIVIDUAL
Jul 10, 2017	Warranty Deed, Transfer · ARM TRUSTMARK NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2020 · Amount on Record
Deed Sale	Mar 31, 2020 · Amount on Record
Prior Sale	Jul 10, 2017 · Amount on Record
Deed Document Number	0031382345
Deed Book / Page	3138 / 2345
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	854 SHORE DR, MIRAMAR BEACH, FL 32550-5277
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	854 SHORE DR, MIRAMAR BEACH, FL 32550-5277

Mortgage

Document Number	0031723050
Date	Dec 8, 2020
Book Page	3172/3050
Instrument	20200050483

Lender

Name	TRIDENT HOME LOANS
Type	Mortgage Company
Address	PENSACOLA, FL 32501

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 31, 2020
Property Address	854 SHORE DR, MIRAMAR BEACH, FL 32550-5277
Document Number	0031382345
Book / Page	003138 / 002345
Instrument Date	Mar 31, 2020
Instrument	11584
Transaction Type	Transfer
Record Updated	Jun 4, 2020
Title Company	AQUA TITLE SERVICES, AQUA TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,285.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	854 SHORE DR MIRAMAR BEACH FL 325505277, MIRAMAR BEACH, FL 32550-5277

Mortgage

Document Number	31382347
Date	Mar 31, 2020
Book Page	003138/002347
Instrument	11585

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	FLINT, MI 48501-2026

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 10, 2017
Property Address	854 SHORE DR, MIRAMAR BEACH, FL 32550-5277
Document Number	0030461570
Book / Page	3046 / 1570
Map Reference	MB3 PG91
Instrument Date	Jul 7, 2017
Instrument	20170022499
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	AQUA TITLE SERVICES

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	315 CHARLIE AVE, 315, PINEY FLATS, TN 37686-3146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 BAYOU PEREZ DR, MADISONVILLE, LA 70447-9796

Mortgage

Document Number	0030461572
Date	Jul 10, 2017
Instrument	3046/1572

Lender

Name	TRUSTMARK NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Aug 1, 2022
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	5%
Index	1-Year LIBOR
Max Rate	8%

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 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		$1,146,611 (-8.12%) Land $879,000 Building $267,611	$1,146,611 (-8.12%) Land $879,000 Building $267,611
2024	$6,613.00 (+3.73%)
2023	$6,375.00 (+1.16%) Homeowner's exemption	$1,247,941 (+38.96%) Land $879,000 Building $368,941	$1,247,941 (+38.96%) Land $879,000 Building $368,941
2022	$6,302.00 Homeowner's exemption	$898,046 Land $527,144 Building $370,902	$898,046 Land $527,144 Building $370,902

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 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

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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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