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11 Cobia Ct, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 11 Cobia Ct, Santa Rosa Beach, FL 32459

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,421 sqft · built 2003
Lot Size0.253 acres (11,064 sqft)
OwnerIndividual Name on File
Last Sale$190,000 (Jun 2017)
Tax Bill$3,075 (2024)
Deeds & MortgagesJun 2017 Sale
May 2017 Loan Modification
Flood ZoneZone X (minimal risk)
APN24-2S-21-42311-000-0090

Property Details

APN / Parcel Number

Primary APN24-2S-21-42311-000-0090
Alternative APN
  • 1044947

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,421 sqft Living Area
Gross Area1,875 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Exterior MaterialFiber Cement Siding
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,064 sqft (0.253 acres)
Lot Dimensions14.8 ft deep x 7.5 ft wide
Garage Area720 sqft

Exterior Amenities

PorchPorch
Porch Area490 sqft
FenceFence
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number1044947
Street Address11 COBIA CT
CitySANTA ROSA BEACH
StateFL
Zip32459-7128
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLONG DESC OR 148-20 BEING 9 SHELTER COVE EST UNREC 2ND INCREMENT OR 2139-399 OR 2433-1626 OR 2433-1628 OR 3043-778
Legal Range21W
Legal Township02S
Legal Section24
Legal SubdivisionSHELTER COVE ESTATES 2ND
Legal Lot Number90
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group2
Census Block2008
Census Tract950604

Owner

11 Cobia Ct is owned by an individual who bought it in June 2017.

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

Owner of RecordIndividual Name on File
Mailing Address39 N PARCELLS PL, SANTA ROSA BEACH, FL 32459-3978
Owner TypeIndividual

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

DateDocument
Jun 2, 2017Warranty Deed, Transfer
May 3, 2017Loan Modification, Mortgage · Conventional Mortgage
TRUSTMARK NAT'L BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 2, 2017 · Amount on File
Deed SaleJun 2, 2017 · Amount on File
Prior SaleSep 11, 2002 · Amount on File
Deed Document Number20170018120
Deed Book / Page3043 / 0778
Record UpdatedJun 8, 2026

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateJun 2, 2017
Property Address11 COBIA CT, SANTA ROSA BEACH, FL 32459-7128
Document Number0030430778
Book / Page003043 / 000778
Instrument DateJun 1, 2017
Instrument18120
Transaction TypeTransfer
Record UpdatedJun 14, 2017

Transaction

AmountAmount on Record
Tax$1,330.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address62 COLONY PARK DR MIRAMAR BEACH FL 325503987, MIRAMAR BEACH, FL 32550-3987

May 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionWALTON FL
Property Address11 COBIA CT, SANTA ROSA BEACH, FL 32459-7128
Document Number0030422326
Book / Page003042 / 002326
Instrument DateMay 3, 2017
Transaction TypeMortgage
Record UpdatedJun 5, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
AddressPO BOX 1447 SANTA ROSA BEACH FL 324591447, SANTA ROSA BEACH, FL 32459-1447

Mortgage

Document Number0030422326
DateMay 26, 2017
Book Page003042/002326
Instrument17296
Lender
NameTRUSTMARK NAT'L BK
TypeBank
AddressSANTA ROSA BEACH, FL 32459
Agreement
TypeConventional Mortgage
AmountAmount on Record

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$364,538 Land $72,675 Building $291,863$364,538 Land $72,675 Building $291,863
2024$3,075.00 (+4.66%)
2023$2,938.00 (+12.18%)$371,630 (+18.71%) Land $72,675 Building $298,955$371,630 (+18.71%) Land $72,675 Building $298,955
2022$2,619.00$313,046 Land $47,763 Building $265,283$313,046 Land $47,763 Building $265,283

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

Flood

FEMA maps place 11 Cobia Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 193 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies193 in force
Nearby Flood Claims3 (2020–2024)
Claims Outside the SFHA1 of 3
Most Recent ClaimSep 2024 · rainfall accumulation
Claims by Event
  • Hurricane Sally, Sep 2020 · 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

Wildfire risk around 11 Cobia Ct is low, with a 0.04% annual chance of wildfire.

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

Wildfire RiskLow
lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood0.04% 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 164 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Mediacom Xtream
Cable · Fiber in parts of the area		1,000 / 50
T-Mobile
Fixed Wireless		100 / 20

May also be available: Wildstar Networks.

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