159 Cove Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 159 Cove Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,410 sqft · built 1997
Lot Size	0.215 acres (9,365 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Oct 2020)
Tax Bill	$4,101 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`28-2S-21-42300-000-1590`

Property Details

APN / Parcel Number

Primary APN	`28-2S-21-42300-000-1590`
Alternative APNs	`28-221-42300-000-1590` `1060303`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,410 sqft Living Area
Gross Area	3,580 sqft
1st Floor Area	1,738 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2002
Exterior Material	Concrete
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	9,365 sqft (0.215 acres)
Lot Dimensions	85 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	484 sqft
Pool Type	Spa / Hot Tub (No Pool)
Porch	Open/Unfinished Porch
Porch Area	668 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	159 COVE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-5852
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 159 COVE AT SEVENTEEN S/D PB 8-3 OR 464-140 OR 1554-135 OR 1756-379 OR 2751-4295 OR 2794-2387 OR 2802-2448 OR 2802-2451 OR 3022-58 OR 3163-1868
Legal Range	021
Legal Township	02S
Legal Section	28
Legal Subdivision	SEVENTEEN
Legal Block	15
Legal Lot Number	159
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2006
Census Tract	950609

Owner

Source: Walton County records, as of December 3, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	159 COVE DR, MIRAMAR BEACH, FL 32550-5852
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · Line of Credit RENASANT BANK
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage RENASANT BANK
Oct 8, 2020	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2020 · Amount on Record
Deed Sale	Oct 8, 2020 · Amount on Record
Prior Sale	Sep 29, 2008 · Amount on Record
Deed Document Number	202039879
Deed Book / Page	3163 / 1868
Prior Transfer Date	Sep 17, 2008
Prior Transfer Doc	0028022448
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	159 COVE DR, MIRAMAR BEACH, FL 32550-5852
Transaction Type	Mortgage
Record Updated	Dec 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	159 COVE DR, MIRAMAR BEACH, FL 32550-5852

Mortgage

Document Number	0031900537
Date	Mar 29, 2021
Book Page	3190/537
Instrument	20210015006

Lender

Name	RENASANT BANK
Type	Bank
Address	SANTA ROSA BEACH, FL 32459

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Apr 25, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	159 COVE DR, MIRAMAR BEACH, FL 32550-5852
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 LINKSIDE PL E, MIRAMAR BEACH, FL 32550-7832

Mortgage

Document Number	0031653444
Date	Oct 23, 2020
Book Page	3165/3444
Instrument	20200042583

Lender

Name	RENASANT BANK
Type	Bank
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Oct 8, 2020
Property Address	159 COVE DR, MIRAMAR BEACH, FL 32550-5852
Document Number	0031631868
Book / Page	3163 / 1868
Map Reference	MB 8 PG 3
Instrument Date	Sep 29, 2020
Instrument	20200039879
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	BRIGHT LINE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	216 MEADOW ST, 216, MEADVILLE, PA 16335-1203

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	159 COVE DR, MIRAMAR BEACH, FL 32550-5852

Mortgage

Document Number	0031631870
Date	Oct 8, 2020
Book Page	3163/1870
Instrument	20200039880

Lender

Name	RENASANT BANK
Type	Bank
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 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	$4,101.00 (+1.96%) Homeowner's exemption	$492,511 (-21.53%)	$898,702 (+43.19%) Land $166,750 Building $731,952
2024	$4,022.00 (+3.82%)
2023	$3,874.00 (+1.23%) Homeowner's exemption	$627,623 (+9.26%) Land $75,997 Building $551,626	$627,623 (+9.26%) Land $75,997 Building $551,626
2022	$3,827.00 Homeowner's exemption	$574,425 Land $84,356 Building $490,069	$574,425 Land $84,356 Building $490,069

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 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 Record 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 35
Verizon Fixed Wireless	300 / 20
Wildstar Networks Fixed Wireless	200 / 50
AT&T Fixed Wireless	100 / 20

May also be available: LiveOak Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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