Walton County property record for 176 Cove Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,236 sqft · built 1985 |
| Lot Size | 0.141 acres (6,142 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $785,000 (Apr 2026) |
| Tax Bill | $5,656 (2025) |
| Deeds & Mortgages | Oct 2021 Line of Credit Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 27-2S-21-42180-000-1760 |
| Primary APN | 27-2S-21-42180-000-1760 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,236 sqft Living Area |
| Gross Area | 1,469 sqft |
| 1st Floor Area | 1,236 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 6,142 sqft (0.141 acres) |
| Lot Dimensions | 95 ft deep x 65 ft wide |
| Driveway | Brick Driveway |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 28 sqft |
| Deck Area | Deck Area |
| Patio Area | 165 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 176 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 176 FAIRWAYS OF SANDESTIN PH IV PB 6-38 & INT IN COMMON ELEMENTS OR 223-71 OR 912-197 OR 1471-25 OR 2087-112 OR 2375-317 OR 2479-1274 OR 2965-665 OR 2968-2892 OR 3003-2457 OR 3271-2763 OR 3345-4241 |
| 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 | 176 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 950609 |
Source: Walton County records, as of April 15, 2026
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 |
|---|---|
| Mailing Address | 176 COVE DR, MIRAMAR BEACH, FL 32550-4576 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Oct 1, 2021 | Deed of Trust, Mortgage · Line of Credit RENASANT BANK |
| Apr 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK N A |
| Oct 31, 2022 | Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2026 · Amount on Record |
| Deed Sale | Apr 1, 2026 · Amount on Record |
| Prior Sale | Dec 30, 2024 · Amount on Record |
| Deed Document Number | 202612654 |
| Deed Book / Page | 3392 / 4960 |
| Prior Transfer Date | Feb 8, 2016 |
| Prior Transfer Doc | 0030032457 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 176 COVE DR, MIRAMAR BEACH, FL 32550-4576 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 176 COVE DR, MIRAMAR BEACH, FL 32550-4576 |
| Document Number | 0032184504 |
|---|---|
| Date | Oct 1, 2021 |
| Book Page | 3218/4504 |
| Instrument | 20210049315 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | SANTA ROSA BEACH, FL 32459 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Apr 1, 2026 |
| Property Address | 176 COVE DR, MIRAMAR BEACH, FL 32550-4576 |
| Document Number | 0033924960 |
| Book / Page | 3392 / 4960 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 202612654 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH OAK TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $554,995.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 176 COVE DR, MIRAMAR BEACH, FL 32550-4576 |
| Document Number | 0000012655, |
|---|---|
| Date | Apr 1, 2026 |
| Instrument | 202612655 |
| Name | JPMORGAN CHASE BANK N A |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Oct 31, 2022 |
| Property Address | 176 COVE DR, MIRAMAR BEACH, FL 32550-4576 |
| Document Number | 0032712763 |
| Book / Page | 3271 / 2763 |
| Map Reference | MB 6 PG 38 |
| Instrument Date | Oct 28, 2022 |
| Instrument | 20220047904 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2022 |
| Title Company | CUSTOMERS FIRST TITLE COMPANY, CUSTOMERS FIRST TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,865.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1406 COPPER BEECH RUN, 1406, FORT WAYNE, IN 46814-9378 |
| Name | Verified Name |
|---|---|
| Address | 6409 MEADOWCREST LN, SACHSE, TX 75048-5515 |
| Investor | Possibly a Property Investor |
| Document Number | 0032712767 |
|---|---|
| Date | Oct 31, 2022 |
| Instrument | 3271/2767 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
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 | $5,656.00 (+0.07%) | $626,060 (+13.37%) Land $145,000 Building $481,060 | $626,060 (+13.37%) Land $145,000 Building $481,060 |
| 2024 | $5,652.00 (+12.66%) | ||
| 2023 | $5,017.00 (+23.09%) | $552,211 (+15.5%) Land $59,726 Building $492,485 | $552,211 (+15.5%) Land $59,726 Building $492,485 |
| 2022 | $4,076.00 Homeowner's exemption | $478,097 Land $66,296 Building $411,801 | $478,097 Land $66,296 Building $411,801 |
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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