96 Overlook Cir, Miramar Beach, FL 32550 Property Records

Walton County property record for 96 Overlook Cir, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,264 sqft · built 1992
Lot Size	0.512 acres (22,303 sqft)
Owner	Individual Name on File
Last Sale	$784,000 (Aug 2018)
Tax Bill	$9,459 (2024)
Deeds & Mortgages	Dec 2019 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-2S-21-42070-007-0200`

Property Details

APN / Parcel Number

Primary APN	`34-2S-21-42070-007-0200`
Alternative APN	`1076615`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,264 sqft Living Area
Gross Area	4,552 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2000
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	22,303 sqft (0.512 acres)
Lot Dimensions	24.8 ft deep x 9 ft wide
Garage Type	Finished
Garage Area	322 sqft

Exterior Amenities

Porch	Porch
Porch Area	776 sqft
Deck Area	Deck Area
Patio Area	190 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1076615
Street Address	96 OVERLOOK CIR
City	MIRAMAR BEACH
State	FL
Zip	32550-4188
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 BLK 7 GULF PINES 1ST ADDITION PB 3-2 OR 43-132 OR 1132-290 OR 1309-214 OR 2813-2120 OR 3082-1003
Legal Range	21W
Legal Township	02S
Legal Section	34
Legal Subdivision	GULF PINES 1ST ADD
Legal Block	7
Legal Lot Number	20
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950609

Owner

96 Overlook Cir is owned by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2277 DONRAY DR, BATON ROUGE, LA 70809-1371
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage WHITNEY BANK
Aug 14, 2018	Warranty Deed, Transfer · Conventional Mortgage WHITNEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2018 · Amount on File
Deed Sale	Aug 14, 2018 · Amount on File
Prior Sale	Mar 26, 2009
Deed Document Number	2018000027299
Deed Book / Page	3082 / 1003
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	96 OVERLOOK CIR, MIRAMAR BEACH, FL 32550-4188
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MCNECSE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031260035
Date	Dec 3, 2019
Book Page	3126/0035
Instrument	20190042150

Lender

Name	WHITNEY BANK
Type	Bank
Address	GULFPORT, MS 39502

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2034

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 14, 2018
Property Address	96 OVERLOOK CIR, MIRAMAR BEACH, FL 32550-4188
Document Number	0030821003
Book / Page	3082 / 1003
Map Reference	MB3 PG2
Instrument Date	Aug 9, 2018
Instrument	2018000027299
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
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	7520 PERKINS RD STE 280, 7520, BATON ROUGE, LA 70808-9130

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9732 S TIGER BEND RD, BATON ROUGE, LA 70817-7231

Mortgage

Document Number	2018000027300
Date	Aug 14, 2018
Instrument	2018000027300

Lender

Name	WHITNEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2033

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		$1,342,765 Land $650,000 Building $692,765	$1,342,765 Land $650,000 Building $692,765
2024	$9,459.00 (-11.77%)
2023	$10,721.00 (+15.57%)	$1,658,172 (+23.07%) Land $949,200 Building $708,972	$1,658,172 (+23.07%) Land $949,200 Building $708,972
2022	$9,277.00	$1,347,370 Land $606,060 Building $741,310	$1,347,370 Land $606,060 Building $741,310

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

Flood

FEMA maps place 96 Overlook Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 96 Overlook Cir is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	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.

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 241 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 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Mediacom Xtream, Wildstar Networks.

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