896 Shore Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 896 Shore Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,490 sqft · built 1977
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Company Names on Record
Last Sale	$370,000 (Sep 2002)
Tax Bill	$4,934 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`29-2S-21-42140-00F-0190`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42140-00F-0190`
Alternative APNs	`29-221-42140-00F-0190` `1063200`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,490 sqft Living Area
Gross Area	4,945 sqft
1st Floor Area	3,490 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	218 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	713 sqft

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	581 sqft
Deck Area	Deck Area
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	896 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 19 BLK F HOLDIAY SHORES 1ST ADD PB 3-91 OR 49-349 OR 24361289
Legal Range	021
Legal Township	02S
Legal Section	29
Legal Subdivision	HOLDIAY SHORES 1ST ADD
Legal Block	F
Legal Lot Number	19
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 3, 2025

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

Owner of Record	2 Company Names on Record
Mailing Address	896 SHORE DR, DESTIN, FL 32550-5277
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2002 · Amount on Record
Deed Sale	Sep 23, 2002 · Amount on Record
Deed Document Number	2002731820
Deed Book / Page	2436 / 1289
Last Transfer Date	Mar 10, 2004
Transfer Doc	0026000531
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	896 SHORE DR, MIRAMAR BEACH, FL 32550-5277
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031581218
Date	Sep 3, 2020
Book Page	3158/1218
Instrument	20200034120

Lender

Name	COMMUNITY BANK OF MISSISSIPPI
Type	Bank
Address	FLOWOOD, MS 39232

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 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	$4,934.00 (+1.92%) Homeowner's exemption	$584,733 (-63.26%)	$1,392,496 (-12.5%) Land $879,000 Building $513,496
2024	$4,841.00 (+3.77%)
2023	$4,665.00 (+1.19%) Homeowner's exemption	$1,591,444 (+25.86%) Land $879,000 Building $712,444	$1,591,444 (+25.86%) Land $879,000 Building $712,444
2022	$4,610.00 Homeowner's exemption	$1,264,436 Land $537,687 Building $726,749	$1,264,436 Land $537,687 Building $726,749

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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