95 Saint Simon Cir, Miramar Beach, FL 32550 Property Records

Walton County property record for 95 Saint Simon Cir, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,216 sqft · built 2004
Lot Size	0.072 acres (3,136 sqft)
Owner	Individual Name on File
Last Sale	$122,500 (Dec 2021)
Tax Bill	$7,030 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-2S-21-42970-000-0220`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42970-000-0220`
Alternative APNs	`29-221-42970-000-0220` `1064988`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,216 sqft Living Area
Gross Area	3,029 sqft
1st Floor Area	1,108 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	3,136 sqft (0.072 acres)
Lot Dimensions	70 ft deep x 45 ft wide
Garage Type	Attached
Garage Area	286 sqft
Porch	Finished/Open Porch
Porch Area	384 sqft
Patio Area	143 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	95 SAINT SIMON CIR
City	MIRAMAR BEACH
State	FL
Zip	32550-8223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22 EMERALD WATERS VILLAGE PB 13-27 OR 2469-1077 OR 2603-2125 OR 2668-4391 OR 2815-1940 OR 2964-1448 OR 2983-2455 OR 3231-643
Legal Range	021
Legal Township	02S
Legal Section	29
Legal Subdivision	EMERALD WATERS VILLAGE
Legal Block	2
Legal Lot Number	22
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1032
Census Tract	950609

Owner

Source: Walton County assessment roll, APN 29-2S-21-42970-000-0220, as of December 3, 2025 · Last verified June 2026

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

Owner of Record	Individual Name on File
Mailing Address	95 SAINT SIMON CIR, MIRAMAR BEACH, FL 32550-8223
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 23, 2021 · Amount on Record
Deed Sale	Dec 23, 2021 · Amount on Record
Prior Sale	Jul 01, 2015 · Amount on Record
Deed Document Number	202163560
Deed Book / Page	3231 / 643
Prior Transfer Date	Aug 02, 2021
Prior Transfer Doc	0032310643
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 23, 2021
Property Address	95 SAINT SIMON CIR, MIRAMAR BEACH, FL 32550-8223
Document Number	0032310643
Book / Page	3231 / 643
Map Reference	MB 13 PG 27&27A
Instrument Date	Aug 02, 2021
Instrument	20210063560
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transaction

Amount	Amount Recorded
Tax	$857.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	95 SAINT SIMON CIR, MIRAMAR BEACH, FL 32550-8223

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 SAINT SIMON CIR, MIRAMAR BEACH, FL 32550-8223

Mortgage

Document Number	0003231646
Date	Dec 23, 2021
Instrument	3231/646

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Sep 01, 2051

Tax Assessment & Valuation

Source: Walton County assessment roll as of December 3, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,030.00 (-4.21%)	$778,087 (-15.39%) Land $270,000 Building $508,087	$778,087 (-15.39%) Land $270,000 Building $508,087
2024	$7,339.00 (+4.53%)
2023	$7,021.00 (+14.2%)	$919,668 (+22.47%) Land $255,000 Building $664,668	$919,668 (+22.47%) Land $255,000 Building $664,668
2022	$6,148.00	$750,919 Land $161,618 Building $589,301	$750,919 Land $161,618 Building $589,301

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Walton County (12131C), as of June 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121319506091, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
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

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, 437 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Lumen Technologies, Wildstar Networks.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL1660615, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SOUTH WALTON UTILITY COMPANY private · serves 26,668 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.