Walton County property record for 174 Cove Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,236 sqft · built 1985 |
| Lot Size | 0.098 acres (4,269 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $808,000 (Mar 2023) |
| Tax Bill | $5,681 (2025) |
| Deeds & Mortgages | Mar 2023 Sale Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 27-2S-21-42180-000-1740 |
| Primary APN | 27-2S-21-42180-000-1740 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,236 sqft Living Area |
| Gross Area | 1,584 sqft |
| 1st Floor Area | 1,236 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 4,269 sqft (0.098 acres) |
| Lot Dimensions | 65 ft deep x 66 ft wide |
| Driveway | Brick Driveway |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 28 sqft |
| Deck Area | Deck Area |
| Patio Area | 260 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 174 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 174 FAIRWAYS OF SANDESTIN PH IV PB 6-38 & INT IN COMMON ELEMENTS AS REC IN OR 223-71 OR 2537-1644 OR 2737-2109 OR 2863-4098 OR 2864-892 OR 2949-3794 OR 2950-1858 OR 3115-484 OR 3282-2726 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 27 |
| Legal Subdivision | FAIRWAYS OF SANDESTIN PH IV |
| Legal Phase | 4 |
| Legal Block | 17 |
| Legal Lot Number | 174 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 950609 |
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 | 15028 TRADITION DR, LOUISVILLE, KY 40245-5617 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 7, 2023 | Warranty Deed, Transfer SETCO SERVICES LLC |
| Sep 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE FIRST A NATIONAL BANKING ASSN |
| Aug 19, 2019 | Warranty Deed, Transfer EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 7, 2023 · Amount on Record |
| Deed Sale | Mar 7, 2023 · Amount on Record |
| Prior Sale | Aug 19, 2019 · Amount on Record |
| Deed Document Number | 20237713 |
| Deed Book / Page | 3282 / 2726 |
| Prior Transfer Date | Apr 12, 2011 |
| Prior Transfer Doc | 0028640892 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 7, 2023 |
| Property Address | 174 COVE DR, MIRAMAR BEACH, FL 32550-4576 |
| Document Number | 0032822726 |
| Book / Page | 3282 / 2726 |
| Map Reference | MB 6 PG 38 |
| Instrument Date | Mar 3, 2023 |
| Instrument | 20230007713 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2023 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,656.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 174 COVE DR, MIRAMAR BEACH, FL 32550-4576 |
| Name | Verified Name |
|---|---|
| Address | 15028 TRADITION DR, LOUISVILLE, KY 40245-5617 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 174 COVE DR, MIRAMAR BEACH, FL 32550-4576 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 174 COVE DR, MIRAMAR BEACH, FL 32550-4576 |
| Document Number | 0032153256 |
|---|---|
| Date | Sep 9, 2021 |
| Book Page | 3215/3256 |
| Instrument | 20210045387 |
| Name | THE FIRST A NATIONAL BANKING ASSN |
|---|---|
| Type | Bank |
| Address | HATTIESBURG, MS 39402 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Aug 19, 2019 |
| Property Address | 174 COVE DR, MIRAMAR BEACH, FL 32550-4576 |
| Document Number | 0031150484 |
| Book / Page | 003115 / 000484 |
| Instrument Date | Aug 15, 2019 |
| Instrument | 28113 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2019 |
| Title Company | EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,835.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | LINSTEW DR FORT WALTON BEACH FL 32548, FORT WALTON BEACH, FL 32548 |
Source: Walton County assessment roll, as of December 3, 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 | $5,681.00 (-2%) | $628,820 (+17.88%) Land $166,750 Building $462,070 | $628,820 (+17.88%) Land $166,750 Building $462,070 |
| 2024 | $5,797.00 (+159.37%) | ||
| 2023 | $2,235.00 (+1.41%) Homeowner's exemption | $533,454 (+9.57%) Land $59,726 Building $473,728 | $533,454 (+9.57%) Land $59,726 Building $473,728 |
| 2022 | $2,204.00 Homeowner's exemption | $486,848 Land $66,296 Building $420,552 | $486,848 Land $66,296 Building $420,552 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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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