981 Northshore Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 981 Northshore Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,995 sqft · built 1993
Lot Size	0.029 acres (1,280 sqft)
Owner	2 Owner Names on File
Last Sale	$385,000 (Jun 2003)
Tax Bill	$5,350 (2024)
Deeds & Mortgages	Mar 2022 Mortgage
Flood Zone	Zone AE (high risk)
APN	`27-2S-21-42730-000-0981`

Property Details

APN / Parcel Number

Primary APN	`27-2S-21-42730-000-0981`
Alternative APN	`1056777`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,995 sqft Living Area
Gross Area	2,326 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1998
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Tin
Lot Area	1,280 sqft (0.029 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1056777
Street Address	981 NORTHSHORE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-4582
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	SD
Legal Description	PARCEL 981 PHASE FOUR OF NORTH SHORE AND INTEREST IN ALL COMMON ELEMENTS AND DESIGNATED LIMITED COMMON ELEMENTS PB 10-17 OR
Legal Range	21W
Legal Township	02S
Legal Section	27
Legal Subdivision	NORTHSHORE TOWNHOMES 14
Legal Phase	4
Legal Lot Number	981
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2001
Census Tract	950609

Owner

The current owner of 981 Northshore Dr bought it in June 2003.

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

Owner of Record	2 Owner Names on File
Mailing Address	922 HAWKHORN CT, ALPHARETTA, GA 30005-4358

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2003 · Amount on File
Deed Sale	Jun 3, 2003 · Amount on File
Deed Document Number	764521
Deed Book / Page	2504 / 1260
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	981 NORTHSHORE DR, MIRAMAR BEACH, FL 32550-4582
Transaction Type	Mortgage
Record Updated	Apr 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	981 NORTHSHORE DR, MIRAMAR BEACH, FL 32550-4582

Mortgage

Document Number	0032441237
Date	Mar 22, 2022
Book Page	3244/1237
Instrument	20220013482

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

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		$510,104 Land $50,000 Building $460,104	$510,104 Land $50,000 Building $460,104
2024	$5,350.00 (+20.01%)
2023	$4,458.00 (+7.47%)	$675,675 (+1%) Building $675,675	$675,675 (+1%) Building $675,675
2022	$4,148.00	$614,250 Building $614,250	$614,250 Building $614,250

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

Flood

FEMA maps place 981 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	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

Wildfire risk around 981 Northshore Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 67 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
AT&T Fixed Wireless	100 / 20