980 Shore Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 980 Shore Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,713 sqft · built 1986
Lot Size	0.585 acres (25,483 sqft)
Owner	Individual Name on Record
Last Sale	$585,000 (May 2013)
Deeds & Mortgages	Jul 2021 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`29-2S-21-42140-00F-0230`

Property Details

APN / Parcel Number

Primary APN	`29-2S-21-42140-00F-0230`
Alternative APN	`1063204`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,713 sqft Living Area
Gross Area	3,753 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1993
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Concrete Tile
Lot Area	25,483 sqft (0.585 acres)
Lot Dimensions	25.5 ft deep x 10 ft wide
Garage Type	Finished
Garage Area	650 sqft
Patio Area	390 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1063204
Street Address	980 SHORE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-5304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BAYS
Legal Description	LOT 23 BLK F HOLIDAY SHORES ESTATES 1ST ADDITION PB 3-91 OR 109-673 OR 357-255 OR 2918-4813
Legal Range	21W
Legal Township	02S
Legal Section	29
Legal Subdivision	HOLIDAY SHORES EST
Legal Block	F
Legal Lot Number	23
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1001
Census Tract	950608

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 Record	Individual Name on Record
Mailing Address	980 SHORE DR, MIRAMAR BEACH, FL 32550-5304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Deed of Trust, Mortgage · Line of Credit ALL IN FCU
Apr 30, 2021	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Oct 8, 2019	Deed of Trust, Mortgage · Line of Credit ALL IN CU
Jan 13, 2020	Deed of Trust, Mortgage · Line of Credit ALL IN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2013 · Amount on Record
Deed Sale	May 2, 2013 · Amount on Record
Deed Document Number	1236399
Deed Book / Page	2918 / 4813
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	980 SHORE DR, MIRAMAR BEACH, FL 32550-5304
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032064915
Date	Jul 13, 2021
Book Page	3206/4915
Instrument	20210035140

Lender

Name	ALL IN FCU
Type	Credit Union
Address	DALEVILLE, AL 36322

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	264 Months
Due	Jul 11, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	980 SHORE DR, MIRAMAR BEACH, FL 32550-5304
Transaction Type	Mortgage
Record Updated	May 13, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	980 SHORE DR, MIRAMAR BEACH, FL 32550-5304

Mortgage

Document Number	0031951988
Date	Apr 30, 2021
Book Page	3195/1988
Instrument	20210021222

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	253 Months
Due	May 1, 2042

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	980 SHORE DR, MIRAMAR BEACH, FL 32550-5304
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031202412
Date	Oct 8, 2019
Book Page	3120/2412
Instrument	20190035030

Lender

Name	ALL IN CU
Type	Non-Lending Institution
Address	DOTHAN, AL 36303

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	263 Months
Due	Sep 27, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	980 SHORE DR, MIRAMAR BEACH, FL 32550-5304
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0031300423
Date	Jan 13, 2020
Book Page	3130/0423
Instrument	20200001326

Lender

Name	ALL IN CREDIT UNION
Address	DOTHAN, AL 36303

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	263 Months
Due	Dec 23, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$1,205,293 (-9.62%) Land $879,000 Building $326,293	$1,205,293 (-9.62%) Land $879,000 Building $326,293
2023	Homeowner's exemption	$1,333,530 Land $879,000 Building $454,530	$1,333,530 Land $879,000 Building $454,530

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 148 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	12 (2004–2024)
Claims Outside the SFHA	5 of 12
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Sally, Sep 2020 · 5 claims Hurricane Michael, Oct 2018 · 2 claims Hurricane Frances, Sep 2004 · 2 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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