Walton County property record for 173 Cove Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,606 sqft · built 1985 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Trust Name on File |
| Last Sale | $930,000 (Jan 2026) |
| Tax Bill | $2,920 (2024) |
| Deeds & Mortgages | Jan 2026 Sale Oct 2023 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 27-2S-21-42180-000-1730 |
| Primary APN | 27-2S-21-42180-000-1730 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,606 sqft Living Area |
| Gross Area | 2,147 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Wood Siding |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 7.3 ft deep x 6.6 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 244 sqft |
| Patio Area | 297 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1056085 |
|---|---|
| Street Address | 173 COVE DR |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-4576 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SD |
| Legal Description | LOT 173 FAIRWAYS OF SANDESTIN PHASE IV PB 6-38 & INT IN COMMON ELEMENTS AS RECD IN OR 223-71 OR 2417-59 OR 2659-3580 OR |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 27 |
| Legal Subdivision | AS RECD IN OR |
| Legal Phase | 4 |
| Legal Lot Number | 173 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 950609 |
173 Cove Dr is owner-occupied and held in a trust since January 2026.
Source: Walton County records, as of February 10, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Co-owner | 2 Co-owners on File |
| Mailing Address | 326 LAKESIDE TRCE, CANTON, GA 30115-7630 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 26, 2026 | Warranty Deed, Transfer MCNEESE TITLE LLC |
| Oct 23, 2023 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Jul 18, 2017 | Warranty Deed, Transfer BURKE LAW AND TITLE LLC, BURKE LAW & TITLE LLC |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jan 26, 2026 · Amount on File |
| Deed Sale | Jan 26, 2026 · Amount on File |
| Prior Sale | Jul 18, 2017 · Amount on File |
| Deed Document Number | 20260002912 |
| Deed Book / Page | 3385 / 1033 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jan 26, 2026 |
| Property Address | 173 COVE DR, MIRAMAR BEACH, FL 32550-4576 |
| Document Number | 0033851033 |
| Book / Page | 3385 / 1033 |
| Map Reference | MB 3047 PG 535 |
| Instrument Date | Jan 23, 2026 |
| Instrument | 20260002912 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2026 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $6,510.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 209 FOREST PARK DR, SANTA ROSA BEACH, FL 32459-2614 |
| Name | Verified Name |
|---|---|
| Relationship | Family Living Trust |
| Address | 326 LAKESIDE TRCE, CANTON, GA 30115-7630 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 173 COVE DR, MIRAMAR BEACH, FL 32550-4576 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 173 COVE DR, MIRAMAR BEACH, FL 32550-4576 |
| Document Number | 0033053501 |
|---|---|
| Date | Oct 23, 2023 |
| Book Page | 3305/3501 |
| Instrument | 20230038174 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 4, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jul 18, 2017 |
| Property Address | 173 COVE DR, MIRAMAR BEACH, FL 32550-4576 |
| Document Number | 0030470535 |
| Book / Page | 003047 / 000535 |
| Instrument Date | Jul 13, 2017 |
| Instrument | 23510 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2017 |
| Title Company | BURKE LAW AND TITLE LLC, BURKE LAW & TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $3,010.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 173 COVE DR MIRAMAR BEACH FL 325504576, MIRAMAR BEACH, FL 32550-4576 |
Source: Walton County assessment roll, as of July 1, 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 | $767,691 Land $166,750 Building $600,941 | $767,691 Land $166,750 Building $600,941 | |
| 2024 | $2,920.00 (+3.95%) | ||
| 2023 | $2,809.00 (+1.3%) Homeowner's exemption | $675,855 (+10.23%) Land $59,726 Building $616,129 | $675,855 (+10.23%) Land $59,726 Building $616,129 |
| 2022 | $2,773.00 Homeowner's exemption | $613,137 Land $66,296 Building $546,841 | $613,137 Land $66,296 Building $546,841 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 173 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 | 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 173 Cove Dr is low, with 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 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.
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 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.
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