97 Gulfside Way, Miramar Beach, FL 32550 Property Records

Walton County property record for 97 Gulfside Way, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,728 sqft · built 2002
Lot Size	0.089 acres (3,877 sqft)
Owner	Company Name on Record
Last Sale	$1,195,000 (May 2022)
Tax Bill	$8,516 (2024)
Deeds & Mortgages	Sep 2022 Mortgage May 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`33-2S-21-42530-000-0230`

Property Details

APN / Parcel Number

Primary APN	`33-2S-21-42530-000-0230`
Alternative APN	`1074804`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,728 sqft Living Area
Gross Area	2,316 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	3,877 sqft (0.089 acres)
Lot Dimensions	7.8 ft deep x 5 ft wide
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	300 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1074804
Street Address	97 GULFSIDE WAY
City	MIRAMAR BEACH
State	FL
Zip	32550-7157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 GULFSIDE COTTAGES S/D PB 11-24 OR 2398-1272 OR 2664-1099 OR 3090-3957 OR 3126-4965 OR 3254-1016
Legal Range	21W
Legal Township	02S
Legal Section	33
Legal Subdivision	GULFSIDE COTTAGES
Legal Lot Number	23
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950609

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 219, STERRETT, AL 35147-0219
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2022	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL STATE BANK
May 31, 2022	Warranty Deed, Transfer · Commercial Mortgage CENTRAL STATE BANK
Dec 12, 2019	Warranty Deed, Transfer · ARM UBS BANK USA
Nov 21, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2022 · Amount on Record
Deed Sale	May 31, 2022 · Amount on Record
Prior Sale	Dec 12, 2019 · Amount on Record
Deed Document Number	20220025443
Deed Book / Page	3254 / 1016
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	97 GULFSIDE WAY, MIRAMAR BEACH, FL 32550-7157
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 43023, BIRMINGHAM, AL 35243-0023

Mortgage

Document Number	0032661656
Date	Sep 12, 2022
Book Page	3266/1656
Instrument	20220040869

Lender

Name	CENTRAL STATE BANK
Type	Bank
Address	CALERA, AL 35040

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 31, 2022
Property Address	97 GULFSIDE WAY, MIRAMAR BEACH, FL 32550-7157
Document Number	0032541016
Book / Page	3254 / 1016
Map Reference	MB 11 PG 24
Instrument Date	May 25, 2022
Instrument	20220025443
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,365.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	563 LAZY ACRES CIR, POTTSBORO, TX 75076-3294

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 43023, VESTAVIA, AL 35243-0023

Mortgage

Document Number	0032541018
Date	May 31, 2022
Instrument	3254/1018

Lender

Name	CENTRAL STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 12, 2019
Property Address	97 GULFSIDE WAY, MIRAMAR BEACH, FL 32550-7157
Document Number	0031264965
Book / Page	3126 / 4965
Map Reference	MB 11 PG 24
Instrument Date	Dec 10, 2019
Instrument	20190043364
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,819.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	75 LIVINGSTON ST # ST27A, 75, BROOKLYN, NY 11201-5088

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1716 SOUTHWICKE DR, FLOWER MOUND, TX 75022-8455

Mortgage

Document Number	0031264967
Date	Dec 12, 2019
Instrument	3126/4967

Lender

Name	UBS BANK USA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	Nov 21, 2018
Property Address	97 GULFSIDE WAY, MIRAMAR BEACH, FL 32550-7157
Document Number	0030903957
Book / Page	003090 / 003957
Instrument Date	Oct 9, 2018
Instrument	38992
Transaction Type	Transfer
Record Updated	Dec 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75 LIVINGSTON ST BROOKLYN NY 112015088, BROOKLYN, NY 11201-5088

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		$833,340 (-9.73%) Land $195,000 Building $638,340	$833,340 (-9.73%) Land $195,000 Building $638,340
2024	$8,516.00 (+1.53%)
2023	$8,388.00 (+48.25%)	$923,200 (+22.32%) Land $120,553 Building $802,647	$923,200 (+22.32%) Land $120,553 Building $802,647
2022	$5,658.00	$754,749 Land $133,814 Building $620,935	$754,749 Land $133,814 Building $620,935

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 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

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 Risk	Not rated no burnable land within 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 230 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 · Fiber in parts of the area	2,000 / 35
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: REV, Wildstar Networks.

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