Walton County property record for 92 Bay Tree Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,456 sqft · built 1997 |
| Lot Size | 0.126 acres (5,489 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $390,000 (Nov 2020) |
| Deeds & Mortgages | Jun 2022 Mortgage Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2S-21-42401-00B-0070 |
| Primary APN | 28-2S-21-42401-00B-0070 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,456 sqft Living Area |
| Gross Area | 2,070 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,489 sqft (0.126 acres) |
| Lot Dimensions | 10 ft deep x 5.3 ft wide |
| Garage Type | Finished |
| Garage Area | 418 sqft |
| Porch | Porch |
| Porch Area | 196 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1060426 |
|---|---|
| Street Address | 92 BAY TREE DR |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-4881 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 BLK B LESS THE W 4.39FT TREETOPS AT BAYSIDE PB 10-23 OR 1621-221 OR 2774-1419 OR 3169-3347 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 28 |
| Legal Subdivision | TREETOPS AT BAYSIDE |
| Legal Block | B |
| Legal Lot Number | 7 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 950609 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 92 BAY TREE DR, MIRAMAR BEACH, FL 32550-4881 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 8, 2022 | Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Nov 19, 2020 | Warranty Deed, Transfer · FHA Mortgage RENASANT BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 19, 2020 · Amount on Record |
| Deed Sale | Nov 19, 2020 · Amount on Record |
| Prior Sale | Sep 27, 2007 · Amount on Record |
| Deed Document Number | 20200047218 |
| Deed Book / Page | 3169 / 3347 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 92 BAY TREE DR, MIRAMAR BEACH, FL 32550-4881 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 92 BAY TREE DR, MIRAMAR BEACH, FL 32550-4881 |
| Document Number | 0032552796 |
|---|---|
| Date | Jun 8, 2022 |
| Book Page | 3255/2796 |
| Instrument | 20220027004 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Nov 19, 2020 |
| Property Address | 92 BAY TREE DR, MIRAMAR BEACH, FL 32550-4881 |
| Document Number | 0031693347 |
| Book / Page | 3169 / 3347 |
| Map Reference | MB 10 PG 23 |
| Instrument Date | Nov 18, 2020 |
| Instrument | 20200047218 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,730.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 92 BAY TREE DR, 92, MIRAMAR BEACH, FL 32550-4881 |
| Name | Verified Name |
|---|---|
| Address | 4320 COMMONS DRIVE, DESTIN, FL 32541-8643 |
| Document Number | 0031693349 |
|---|---|
| Date | Nov 19, 2020 |
| Instrument | 3169/3349 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
Source: Walton County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $406,408 (+6.1%) Land $85,000 Building $321,408 | $406,408 (+6.1%) Land $85,000 Building $321,408 | |
| 2023 | Homeowner's exemption | $383,057 Land $53,735 Building $329,322 | $383,057 Land $53,735 Building $329,322 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 A, 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 |
|
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.
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 | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 337 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Fiber · Cable in parts of the area | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: CenturyLink, LiveOak Fiber, Mediacom Xtream, Wildstar Networks.
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