Walton County property record for 982 Northshore Dr, Miramar Beach, FL 32550
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 1,995 sqft · built 1993 |
| Lot Size | 0.032 acres (1,406 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $690,000 (Aug 2021) |
| Tax Bill | $4,609 (2025) |
| Deeds & Mortgages | Aug 2021 Sale Oct 2020 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 27-2S-21-42730-000-0982 |
| Primary APN | 27-2S-21-42730-000-0982 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,995 sqft Living Area |
| Gross Area | 2,326 sqft |
| Flooring | Tile |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Townhouse |
| Construction Type | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Other |
| Lot Area | 1,406 sqft (0.032 acres) |
| Porch | Finished Screened Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 982 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 982 PHASE FOUR OF NORTH SHORE AND INTEREST IN ALL COMMON ELEMENTS AND DESIGNATED LIMITED COMMON ELEMENTS PB 10-17 OR 1163-317 OR 2656-2346 OR 3100-4341 OR 3145-1035 OR 3147-4513 OR 3211-2540 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 27 |
| Legal Subdivision | ELEMENTS AND DESIGNATED LIMITED COMMON E |
| Legal Phase | 4 |
| Legal Block | 9 |
| Legal Lot Number | 982 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 950609 |
982 Northshore Dr, a townhouse, is owned by two individuals who bought it in August 2021.
Source: Walton County records, as of July 21, 2026
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 1744 MICHIGAN ST, HOUSTON, TX 77006-1722 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Aug 12, 2021 | Warranty Deed, Transfer EQUITRUST TITLE COMPANY |
| Oct 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Jun 26, 2020 | Correction Deed ATTORNEY ONLY |
| Jun 3, 2020 | Warranty Deed, Transfer FLINT COMMUNITY BANK |
| Mar 29, 2019 | Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 12, 2021 · Amount on File |
| Deed Sale | Aug 12, 2021 · Amount on File |
| Prior Sale | Jun 26, 2020 · Amount on File |
| Deed Document Number | 202140472 |
| Deed Book / Page | 3211 / 2540 |
| Prior Transfer Date | Jun 25, 2020 |
| Prior Transfer Doc | 0031474513 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Aug 12, 2021 |
| Property Address | 982 NORTHSHORE DR, MIRAMAR BEACH, FL 32550-4582 |
| Document Number | 0032112540 |
| Book / Page | 3211 / 2540 |
| Map Reference | MB 10 PG 17 |
| Instrument Date | Aug 11, 2021 |
| Instrument | 20210040472 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2021 |
| Title Company | EQUITRUST TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $4,830.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 206 PROVIDENCE FARM DR, 206, BOILING SPRINGS, SC 29316-7469 |
| Name | Verified Name |
|---|---|
| Address | 1744 MICHIGAN ST, HOUSTON, TX 77006-1722 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 982 NORTHSHORE DR, MIRAMAR BEACH, FL 32550-4582 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3808 BURTON CT, ALBANY, GA 31721-2254 |
| Document Number | 0031623637 |
|---|---|
| Date | Oct 5, 2020 |
| Book Page | 3162/3637 |
| Instrument | 20200039179 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2035 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jun 26, 2020 |
| Property Address | 982 NORTHSHORE DR, MIRAMAR BEACH, FL 32550-4582 |
| Document Number | 0031474513 |
| Book / Page | 003147 / 004513 |
| Instrument Date | Jun 24, 2020 |
| Instrument | 22241 |
| Record Updated | Aug 21, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $3,395.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3808 BURTON CT ALBANY GA 317212254, ALBANY, GA 31721-2254 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jun 3, 2020 |
| Property Address | 982 NORTHSHORE DR, MIRAMAR BEACH, FL 32550-4582 |
| Document Number | 0031451035 |
| Book / Page | 3145 / 1035 |
| Map Reference | MB 10 PG 17 |
| Instrument Date | Jun 3, 2020 |
| Instrument | 20200018939 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,185.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 406 HILLYER HIGH RD, 406, ANNISTON, AL 36207-6245 |
| Name | Verified Name |
|---|---|
| Address | 3808 BURTON CT, ALBANY, GA 31721-2254 |
| Document Number | 0031451037 |
|---|---|
| Date | Jun 3, 2020 |
| Instrument | 3145/1037 |
| Name | FLINT COMMUNITY BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 11 Months |
| Due | May 3, 2021 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 29, 2019 |
| Property Address | 982 NORTHSHORE DR, MIRAMAR BEACH, FL 32550-4582 |
| Document Number | 0031004341 |
| Book / Page | 3100 / 4341 |
| Map Reference | MB 10 PG 17 |
| Instrument Date | Mar 28, 2019 |
| Instrument | 20190009460 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | CUSTOMERS FIRST TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4008 HYACINTH AVE, 4008, BATON ROUGE, LA 70808-3731 |
| Name | Verified Name |
|---|---|
| Address | 506 HILLYER HIGH RD, ANNISTON, AL 36207-6246 |
| Document Number | 20190009462 |
|---|---|
| Date | Mar 29, 2019 |
| Instrument | 20190009462 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2049 |
The 2025 property tax bill for 982 Northshore Dr was $4,609, down 36% from the year before.
Source: Walton County assessment roll, as of December 3, 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 | $4,609.00 (-36.03%) | $510,104 Land $50,000 Building $460,104 | $510,104 Land $50,000 Building $460,104 |
| 2024 | $7,205.00 (+17.36%) | ||
| 2023 | $6,139.00 (+7.85%) | $675,675 (+1%) Building $675,675 | $675,675 (+1%) Building $675,675 |
| 2022 | $5,692.00 | $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.
FEMA maps place 982 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 982 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.
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 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 |
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