169 Cove Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 169 Cove Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,609 sqft · built 1991
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$1,150,000 (Mar 2024)
Tax Bill	$7,771 (2024)
Deeds & Mortgages	Mar 2024 Sale
Flood Zone	Zone AE (high risk)
APN	`28-2S-21-42300-000-1690`

Property Details

APN / Parcel Number

Primary APN	`28-2S-21-42300-000-1690`
Alternative APN	`1060313`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,609 sqft Living Area
Gross Area	4,270 sqft
Flooring	Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	11.3 ft deep x 5.6 ft wide
Garage Type	Finished
Garage Area	546 sqft

Exterior Amenities

Porch	Porch
Porch Area	399 sqft
Deck Area	Deck Area
Patio Area	707 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1060313
Street Address	169 COVE DR
City	MIRAMAR BEACH
State	FL
Zip	32550-5868
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT 169 COVE AT SEVENTEEN & INT IN COMMON ELEMENTS AS RECD IN PB 8-3 OR 464-140 OR 2234-375 OR 2626-2109 OR 2811-4094 OR
Legal Range	21W
Legal Township	02S
Legal Section	28
Legal Subdivision	COVE AT SEVENTEEN
Legal Lot Number	169
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 17, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	169 COVE DR, MIRAMAR BEACH, FL 32550-5868
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2024 · Amount on Record
Deed Sale	Mar 28, 2024 · Amount on Record
Prior Sale	Sep 28, 2009 · Amount on Record
Deed Document Number	20240010662
Deed Book / Page	3319 / 4012
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 28, 2024
Property Address	169 COVE DR, MIRAMAR BEACH, FL 32550-5868
Document Number	0033194012
Book / Page	3319 / 4012
Map Reference	MB 8 PG 3
Instrument Date	Mar 21, 2024
Instrument	20240010662
Transaction Type	Transfer
Record Updated	May 1, 2024
Title Company	NOT AVAILABLE, TITLE LLC AMBERLYN NABIH

Transaction

Amount	Amount Recorded
Tax	$8,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	169 COVE DR, MIRAMAR BEACH, FL 32550-5868

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	169 COVE DR, MIRAMAR BEACH, FL 32550-5868

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		$1,017,568 (+38.89%) Land $166,750 Building $850,818	$1,017,568 (+38.89%) Land $166,750 Building $850,818
2024	$7,771.00 (+27.92%)
2023	$6,075.00 (+7.67%)	$732,627 (+9.85%) Land $75,997 Building $656,630	$732,627 (+9.85%) Land $75,997 Building $656,630
2022	$5,642.00	$666,907 Land $84,356 Building $582,551	$666,907 Land $84,356 Building $582,551

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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	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 337 locations within half a mile, as of December 31, 2025

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

May also be available: CenturyLink, LiveOak Fiber, Mediacom Xtream, Wildstar Networks.