91 Miami St, Miramar Beach, FL 32550 Property Records

Walton County property record for 91 Miami St, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,560 sqft · built 1997
Lot Size	0.114 acres (4,966 sqft)
Owner	Company Name on Record
Last Sale	$1,350,000 (Sep 2025)
Tax Bill	$9,524 (2024)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Aug 2022 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`32-2S-21-42040-00D-0010`

Property Details

APN / Parcel Number

Primary APN	`32-2S-21-42040-00D-0010`
Alternative APN	`1071721`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	2,560 sqft Living Area
Gross Area	3,320 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,966 sqft (0.114 acres)
Lot Dimensions	10 ft deep x 5 ft wide

Exterior Amenities

Porch	Porch
Porch Area	760 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1071721
Street Address	91 MIAMI ST
City	MIRAMAR BEACH
State	FL
Zip	32550-4691
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK D FRANGISTA BEACH 1ST ADDITION PB 2-55 OR 38-235 OR 1095-123 OR 2658-890 OR 2664-4904 OR 2863-1536 OR 3018-1762 OR
Legal Range	21W
Legal Township	02S
Legal Section	32
Legal Subdivision	FRANGISTA BCH 1ST ADD
Legal Block	D
Legal Lot Number	1
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1041
Census Tract	950609

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	Company Name on Record
Mailing Address	627 CROFTON PARK LN, FRANKLIN, TN 37069-6515
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2025	Warranty Deed, Transfer · Conventional Mortgage WALTON FUNDING LLC
Aug 23, 2022	Warranty Deed, Transfer · Line of Credit RACCOON VALLEY BANK
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage HANCOCK WHITNEY BK
May 21, 2019	Warranty Deed, Transfer · Conventional Mortgage WHITNEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2025 · Amount on Record
Deed Sale	Sep 22, 2025 · Amount on Record
Prior Sale	Aug 23, 2022 · Amount on Record
Deed Document Number	20250034236
Deed Book / Page	3371 / 3205
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 22, 2025
Property Address	91 MIAMI ST, MIRAMAR BEACH, FL 32550-4691
Document Number	0033713205
Book / Page	3371 / 3205
Map Reference	MB 2 PG 55
Instrument Date	Sep 18, 2025
Instrument	20250034236
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	ARK TITLE SERVICES LLC, AQUARK TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4111 NE BELLAGIO CIR, ANKENY, IA 50021-6866

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	627 CROFTON PARK LN, FRANKLIN, TN 37069-6515

Mortgage

Document Number	0033713207
Date	Sep 22, 2025
Instrument	3371/3207

Lender

Name	WALTON FUNDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 23, 2022
Property Address	91 MIAMI ST, MIRAMAR BEACH, FL 32550-4691
Document Number	0032641043
Book / Page	3264 / 1043
Map Reference	MB 2 PG 55
Instrument Date	Aug 22, 2022
Instrument	20220038202
Transaction Type	Transfer
Record Updated	Sep 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,875.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3814 INDIAN TRL, 3814, DESTIN, FL 32541-1829

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4111 NE BELLAGIO CIR, ANKENY, IA 50021-6866

Mortgage

Document Number	0032641045
Date	Aug 23, 2022
Instrument	3264/1045

Lender

Name	RACCOON VALLEY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	91 MIAMI ST, MIRAMAR BEACH, FL 32550-4691
Document Number	0031404718
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3814 INDIAN TRL DESTIN FL 325411829, DESTIN, FL 32541-1829

Mortgage

Document Number	0031404718
Date	Apr 24, 2020
Book Page	003140/004718
Instrument	14330

Lender

Name	HANCOCK WHITNEY BK
Address	GULFPORT, MS 39502

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 23, 2035

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 21, 2019
Property Address	91 MIAMI ST, MIRAMAR BEACH, FL 32550-4691
Document Number	0031060449
Book / Page	3106 / 0449
Map Reference	MB 2 PG 55
Instrument Date	May 20, 2019
Instrument	20190016336
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1096 SUNSET RD, 1096, BRENTWOOD, TN 37027-8276

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3814 INDIAN TRL, DESTIN, FL 32541-1829

Mortgage

Document Number	0003106451
Date	May 21, 2019
Instrument	3106/451

Lender

Name	WHITNEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2034

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		$1,000,980 (-4.01%) Land $577,500 Building $423,480	$1,000,980 (-4.01%) Land $577,500 Building $423,480
2024	$9,524.00 (+8.95%)	$1,042,755 (+8.37%) Land $577,500 Building $465,255	$1,042,755 (+8.37%) Land $577,500 Building $465,255
2023	$8,742.00 (+20.45%)	$962,178 (-1.21%) Land $687,500 Building $274,678	$962,178 (-1.21%) Land $687,500 Building $274,678
2022	$7,258.00	$973,969 Land $532,800 Building $441,169	$973,969 Land $532,800 Building $441,169

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 minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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 360 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: CenturyLink, T-Mobile, Wildstar Networks.

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