Walton County property record for 963 Northshore Dr, Miramar Beach, FL 32550
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 2,406 sqft · built 1992 |
| Lot Size | 0.066 acres (2,876 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $520,000 (Jun 2019) |
| Tax Bill | $7,553 (2024) |
| Deeds & Mortgages | Jan 2021 Line of Credit Jun 2019 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 27-2S-21-42730-000-0963 |
| Primary APN | 27-2S-21-42730-000-0963 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,406 sqft Living Area |
| Gross Area | 2,938 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tin |
| Lot Area | 2,876 sqft (0.066 acres) |
| Garage Type | Finished |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1056759 |
|---|---|
| Street Address | 963 NORTHSHORE DR |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-4540 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | SD |
| Legal Description | PARCEL 963 PHASE THREE OF NORTH SHORE & INTEREST IN ALL COMMON ELEMENTS & DESIGNATED LIMITED COMMON ELEMENTS PB 9-39 OR |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 27 |
| Legal Subdivision | NORTHSHORE TOWNHOMES 14 |
| Legal Phase | 3 |
| Legal Lot Number | 963 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 950609 |
963 Northshore Dr, a townhouse, is owned and occupied by two individuals who bought it in June 2019.
Source: Walton County records, as of December 17, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 963 NORTHSHORE DR, MIRAMAR BEACH, FL 32550-4540 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jan 29, 2021 | Deed of Trust, Mortgage · Line of Credit RENASANT BANK |
| Jun 19, 2019 | Grant Deed, Transfer CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 19, 2019 · Amount on File |
| Deed Sale | Jun 19, 2019 · Amount on File |
| Prior Sale | Apr 24, 2003 |
| Deed Document Number | 20190020269 |
| Deed Book / Page | 3109 / 0059 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 963 NORTHSHORE DR, MIRAMAR BEACH, FL 32550-4540 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 963 NORTHSHORE DR, MIRAMAR BEACH, FL 32550-4540 |
| Document Number | 0031803389 |
|---|---|
| Date | Jan 29, 2021 |
| Book Page | 3180/3389 |
| Instrument | 20210004287 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, MS 39703 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 25, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jun 19, 2019 |
| Property Address | 963 NORTHSHORE DR, MIRAMAR BEACH, FL 32550-4540 |
| Document Number | 0031090059 |
| Book / Page | 003109 / 000059 |
| Instrument Date | Jun 14, 2019 |
| Instrument | 20269 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2019 |
| Title Company | CHAMPIONSHIP TITLE AGENCY LLC, CHAMPIONSHIP TITLE AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $3,640.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 963 NORTHSHORE DR MIRAMAR BEACH FL 325504540, MIRAMAR BEACH, FL 32550-4540 |
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 | $1,204,049 Land $250,000 Building $954,049 | $1,204,049 Land $250,000 Building $954,049 | |
| 2024 | $7,553.00 (+26.69%) | ||
| 2023 | $5,962.00 (+7.6%) | $812,272 (+1%) Building $812,272 | $812,272 (+1%) Building $812,272 |
| 2022 | $5,541.00 | $738,431 Building $738,431 | $738,431 Building $738,431 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 963 Northshore Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 963 Northshore Dr is low, with less than 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 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 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Fiber | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Wildstar Networks Fixed Wireless | 200 / 50 |
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