Walton County property record for 177 Cove Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,466 sqft · built 1985 |
| Lot Size | 0.141 acres (6,142 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $750,000 (Jul 2023) |
| Tax Bill | $6,434 (2024) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Jun 2019 Sale |
| Flood Zone | Zone X (moderate risk) |
| APN | 27-2S-21-42180-000-1770 |
| Primary APN | 27-2S-21-42180-000-1770 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,466 sqft Living Area |
| Gross Area | 1,923 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 | 6,142 sqft (0.141 acres) |
| Lot Dimensions | 9.5 ft deep x 6.5 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 350 sqft |
| Deck Area | Deck Area |
| Patio Area | 107 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1056089 |
|---|---|
| Street Address | 177 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 177 FAIRWAYS OF SANDESTIN PHASE IV PB 6-38 & INT IN COMMON ELEMENTS AS RECD IN OR 223-71 OR 2104-147 OR 2605-4876 OR |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 27 |
| Legal Subdivision | AS RECD IN OR |
| Legal Phase | 4 |
| Legal Lot Number | 177 |
| 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 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 | 2328 THOMAS RD NW, ATLANTA, GA 30318-1147 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 12, 2023 | Warranty Deed, Transfer · Conventional Mortgage CADENCE BANK NA |
| Jun 24, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2023 · Amount on Record |
| Deed Sale | Jul 12, 2023 · Amount on Record |
| Prior Sale | Jun 21, 2004 · Amount on Record |
| Deed Document Number | 20230024634 |
| Deed Book / Page | 3295 / 2618 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jul 12, 2023 |
| Property Address | 177 COVE DR, MIRAMAR BEACH, FL 32550-4576 |
| Document Number | 0032952618 |
| Book / Page | 3295 / 2618 |
| Map Reference | MB 6 PG 38 |
| Instrument Date | Jul 6, 2023 |
| Instrument | 20230024634 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2023 |
| Title Company | NOT AVAILABLE, BEACH LAND AND TTL SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,250.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 412 LAKEVIEW DR, ALEXANDER CITY, AL 35010-6234 |
| Name | Verified Name |
|---|---|
| Address | 2328 THOMAS RD NW, ATLANTA, GA 30318-1147 |
| Document Number | 0032952620 |
|---|---|
| Date | Jul 12, 2023 |
| Instrument | 3295/2620 |
| Name | CADENCE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 5, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Type Change Date | Aug 5, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 11.3% |
| Index | 1-Year T-Bill |
| Max Rate | 11.3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jun 24, 2019 |
| Property Address | 177 COVE DR, MIRAMAR BEACH, FL 32550-4576 |
| Document Number | 0031091990 |
| Book / Page | 003109 / 001990 |
| Instrument Date | May 16, 2019 |
| Instrument | 20779 |
| Transaction Type | Transfer |
| Record Updated | Jul 9, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,246.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 412 LAKEVIEW DR ALEXANDER CITY AL 350106234, ALEXANDER CITY, AL 35010-6234 |
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 | $697,483 (+11.39%) Land $145,000 Building $552,483 | $697,483 (+11.39%) Land $145,000 Building $552,483 | |
| 2024 | $6,434.00 (+31.82%) | ||
| 2023 | $4,881.00 (+7.7%) | $626,166 (+10.03%) Land $59,726 Building $566,440 | $626,166 (+10.03%) Land $59,726 Building $566,440 |
| 2022 | $4,532.00 | $569,074 Land $66,296 Building $502,778 | $569,074 Land $66,296 Building $502,778 |
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 X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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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