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97 Bay Tree Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 97 Bay Tree Dr, Miramar Beach, FL 32550

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,757 sqft · built 1995
Lot Size0.128 acres (5,619 sqft)
OwnerIndividual Name on Record
Last Sale$528,000 (Feb 2024)
Tax Bill$3,847 (2024)
Deeds & MortgagesMar 2021 Mortgage
Feb 2024 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN28-2S-21-42401-00A-0090

Property Details

APN / Parcel Number

Primary APN28-2S-21-42401-00A-0090

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,757 sqft Living Area
Gross Area2,455 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1995
Exterior MaterialWood
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,619 sqft (0.128 acres)
Lot Dimensions10 ft deep x 5.6 ft wide
Garage TypeFinished
Garage Area441 sqft
PorchPorch
Porch Area257 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address97 BAY TREE DR
CityMIRAMAR BEACH
StateFL
Zip32550-4882
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 9 BLK A TREETOPS AT BAYSIDE PB 10-23 OR 1328-218 OR 2122-307 OR 2271-380 OR 2486-1504 OR 2980-4287 OR 3084-4677 OR
Legal Range21W
Legal Township02S
Legal Section28
Legal SubdivisionTREETOPS AT BAYSIDE
Legal BlockA
Legal Lot Number9
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group2
Census Block2006
Census Tract950609

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 RecordIndividual Name on Record
Mailing Address1606 LOCHMOOR BLVD, GROSSE POINTE WOODS, MI 48236-4015
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 8, 2021Deed of Trust, Mortgage · Conventional Mortgage
CITIZENS BANK NA
Feb 14, 2024Warranty Deed, Transfer · Conventional Mortgage
BANKSOUTH MORTGAGE COMPANY LLC
Sep 13, 2018Warranty Deed, Transfer · VA Mortgage
MORTGAGE ONE/SOUTH

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 14, 2024 · Amount on Record
Deed SaleFeb 14, 2024 · Amount on Record
Prior SaleSep 13, 2018 · Amount on Record
Deed Document Number20240005054
Deed Book / Page3315 / 2362
Record UpdatedJun 8, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWALTON FL
Property Address97 BAY TREE DR, MIRAMAR BEACH, FL 32550-4882
Transaction TypeMortgage
Record UpdatedFeb 20, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address97 BAY TREE DR, MIRAMAR BEACH, FL 32550-4882

Mortgage

Document Number0031863563
DateMar 8, 2021
Book Page3186/3563
Instrument20210011036
Lender
NameCITIZENS BANK NA
TypeBank
AddressPROVIDENCE, RI 02903
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueMar 1, 2036

February 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateFeb 14, 2024
Property Address97 BAY TREE DR, MIRAMAR BEACH, FL 32550-4882
Document Number0033152362
Book / Page3315 / 2362
Map ReferenceMB 10 PG 23
Instrument DateFeb 12, 2024
Instrument20240005054
Transaction TypeTransfer
Record UpdatedMar 5, 2024
Title CompanyMCNEESE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,696.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address562 RUSTLEWOOD WAY, ROCK HILL, SC 29732-6100

Transferred To (Grantee/Buyer)

NameVerified Name
Address1606 LOCHMOOR BLVD, GROSSE POINTE WOODS, MI 48236-4015

Mortgage

Document Number0033152364
DateFeb 14, 2024
Instrument3315/2364
Lender
NameBANKSOUTH MORTGAGE COMPANY LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2054

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateSep 13, 2018
Property Address97 BAY TREE DR, MIRAMAR BEACH, FL 32550-4882
Document Number0030844677
Book / Page003084 / 004677
Instrument DateSep 10, 2018
Instrument30937
Transaction TypeTransfer
Record UpdatedDec 10, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,170.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address97 BAY TREE DR MIRAMAR BEACH FL 325504882, MIRAMAR BEACH, FL 32550-4882

Mortgage

Document Number30844679
DateSep 13, 2018
Book Page003084/004679
Instrument30938
Lender
NameMORTGAGE ONE/SOUTH
TypeMortgage Company
AddressFORT WALTON BEACH, FL 32548
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 12, 2048

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$416,722 (+5.66%) Land $85,000 Building $331,722$416,722 (+5.66%) Land $85,000 Building $331,722
2024$3,847.00 (+101.84%)
2023$1,906.00 (+1.55%) Homeowner's exemption$394,403 (+8.87%) Land $53,735 Building $340,668$394,403 (+8.87%) Land $53,735 Building $340,668
2022$1,877.00 Homeowner's exemption$362,272 Land $59,646 Building $302,626$362,272 Land $59,646 Building $302,626

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 428 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies645 units insured
incl. 217 condo units
Nearby Flood Claims23 (1998–2024)
Claims Outside the SFHA10 of 23
Most Recent ClaimSep 2024 · rainfall accumulation
Claims by Event
  • Hurricane Sally, Sep 2020 · 3 claims
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 6 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 RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSOUTH WALTON UTILITY COMPANY
private · serves 26,668 people · EPA ID FL1660615
Water SourceGroundwater
Last State InspectionFeb 2026
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 337 locations within half a mile, as of December 31, 2025

ProviderMax 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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