162 Cove Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 162 Cove Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,791 sqft · built 1987
Lot Size	0.134 acres (5,837 sqft)
Owner	Trust Name on File
Last Sale	$820,000 (Sep 2019)
Tax Bill	$7,860 (2025)
Deeds & Mortgages	Sep 2022 Transfer Sep 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`28-2S-21-42300-000-1620`

Property Details

APN / Parcel Number

Primary APN	`28-2S-21-42300-000-1620`
Alternative APNs	`28-221-42300-000-1620` `1060306`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,791 sqft Living Area
Gross Area	2,703 sqft
1st Floor Area	1,791 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2010
Exterior Material	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	5,837 sqft (0.134 acres)
Lot Dimensions	132 ft deep x 49 ft wide
Garage Type	Attached
Garage Area	484 sqft
Porch	Finished Screened Porch
Porch Area	265 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	162 COVE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-4577
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BAYS
Legal Description	LOT 162 COVE AT SEVENTEEN S/D PB 8-3 OR 464-140 OR 1541-185 OR 2750-1230 OR 3118-4547 OR 3266-33
Legal Range	021
Legal Township	02S
Legal Section	28
Legal Subdivision	SEVENTEEN
Legal Block	16
Legal Lot Number	162
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2006
Census Tract	950609

Owner

162 Cove Dr is owner-occupied and held in a trust since September 2022.

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

Owner of Record	Trust Name on File
Mailing Address	162 COVE DR, MIRAMAR BEACH, FL 32550-4577
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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

Date	Document
Sep 8, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Sep 25, 2019	Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2019 · Amount on File
Deed Sale	Sep 25, 2019 · Amount on File
Prior Sale	Feb 7, 2007 · Amount on File
Deed Document Number	201933154
Deed Book / Page	3118 / 4547
Last Transfer Date	Sep 7, 2022
Transfer Doc	0032660033
Record Updated	Jun 8, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WALTON FL
Recording Date	Sep 8, 2022
Property Address	162 COVE DR, MIRAMAR BEACH, FL 32550-4577
Document Number	0032660033
Book / Page	3266 / 33
Map Reference	MB 8 PG 3
Instrument Date	Sep 7, 2022
Instrument	20220040431
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3691 N 150 W, COLUMBIA CITY, IN 46725-7850

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 25, 2019
Property Address	162 COVE DR, MIRAMAR BEACH, FL 32550-4577
Document Number	0031184547
Book / Page	3118 / 4547
Map Reference	MB 8 PG 3
Instrument Date	Sep 12, 2019
Instrument	20190033154
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,740.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1707 DORCHESTER RD, 1707, CHATTANOOGA, TN 37405-4346

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3691 N 150 W, COLUMBIA CITY, IN 46725-7850

Mortgage

Document Number	0031184550
Date	Sep 25, 2019
Instrument	3118/4550

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 162 Cove Dr was $7,860, up 1.6% from the year before.

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	$7,860.00 (+1.63%)	$1,137,761 Land $325,000 Building $812,761	$1,137,761 Land $325,000 Building $812,761
2024	$7,734.00 (+27.83%)
2023	$6,050.00 (+24.13%)	$830,068 (+40.02%) Land $207,264 Building $622,804	$830,068 (+40.02%) Land $207,264 Building $622,804
2022	$4,874.00	$592,823 Land $230,063 Building $362,760	$592,823 Land $230,063 Building $362,760

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

Flood

FEMA maps place 162 Cove 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	8.0 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 162 Cove Dr is low, with less than a 0.01% annual chance of 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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