Walton County property record for 182 Cove Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,234 sqft · built 1985 |
| Lot Size | 0.118 acres (5,140 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $670,000 (Mar 2024) |
| Tax Bill | $5,488 (2025) |
| Deeds & Mortgages | Mar 2024 Sale Mar 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 27-2S-21-42180-000-1820 |
| Primary APN | 27-2S-21-42180-000-1820 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,234 sqft Living Area |
| Gross Area | 1,720 sqft |
| 1st Floor Area | 1,234 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 | 5,140 sqft (0.118 acres) |
| Lot Dimensions | 82 ft deep x 63 ft wide |
| Porch | Finished/Open Porch |
| Porch Area | 194 sqft |
| Patio Area | 196 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 182 COVE DR |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-4895 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SD |
| Legal Description | LOT 182 FAIRWAYS OF SANDESTIN PH IV AND INTEREST IN COMMON ELEMENTS AS REC IN PB 6-38 OR 223-71 OR 1157-105 OR 1790-203 OR 2564-649 OR 2714-981 OR 2906-3903 OR 3046-1113 OR 3185-3999 OR 3319-4263 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 27 |
| Legal Subdivision | COMMON ELEMENTS AS REC |
| Legal Phase | 4 |
| Legal Block | 18 |
| Legal Lot Number | 182 |
| 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 | 2577 WILLOW LAKES EAST BLVD, GREENWOOD, IN 46143-8394 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 28, 2024 | Warranty Deed, Transfer NOT AVAILABLE, NORTHWEST FLORIDA T&E LLC |
| Mar 3, 2021 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Jul 7, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 28, 2024 · Amount on Record |
| Deed Sale | Mar 28, 2024 · Amount on Record |
| Prior Sale | Mar 3, 2021 · Amount on Record |
| Deed Document Number | 202410726 |
| Deed Book / Page | 3319 / 4263 |
| Prior Transfer Date | Dec 6, 2012 |
| Prior Transfer Doc | 0029063903 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 28, 2024 |
| Property Address | 182 COVE DR, MIRAMAR BEACH, FL 32550-4895 |
| Document Number | 0033194263 |
| Book / Page | 3319 / 4263 |
| Map Reference | MB 6 PG 38 |
| Instrument Date | Mar 27, 2024 |
| Instrument | 20240010726 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2024 |
| Title Company | NOT AVAILABLE, NORTHWEST FLORIDA T&E LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,690.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2913 SUZANNE LANDON DR, MURFREESBORO, TN 37130-1052 |
| Name | Verified Name |
|---|---|
| Address | 2577 WILLOW LAKES EAST BLVD, GREENWOOD, IN 46143-8394 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 3, 2021 |
| Property Address | 182 COVE DR, MIRAMAR BEACH, FL 32550-4895 |
| Document Number | 0031853999 |
| Book / Page | 3185 / 3999 |
| Map Reference | MB 6 PG 38 |
| Instrument Date | Feb 27, 2021 |
| Instrument | 20210010046 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,010.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 755 GRAND BLVDB, 755, MIRAMAR BEACH, FL 32550 |
| Name | Verified Name |
|---|---|
| Address | 4328 SEASCAPE LN, MURFREESBORO, TN 37128-2507 |
| Document Number | 0031854003 |
|---|---|
| Date | Mar 3, 2021 |
| Instrument | 3185/4003 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jul 7, 2017 |
| Property Address | 182 COVE DR, MIRAMAR BEACH, FL 32550-4895 |
| Document Number | 0030461113 |
| Book / Page | 003046 / 001113 |
| Instrument Date | Jun 30, 2017 |
| Instrument | 22363 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,897.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 182 COVE DR MIRAMAR BEACH FL 325504895, MIRAMAR BEACH, FL 32550-4895 |
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 | $5,488.00 (+1.12%) | $607,406 (+23.31%) Land $145,000 Building $462,406 | $607,406 (+23.31%) Land $145,000 Building $462,406 |
| 2024 | $5,427.00 (+21.27%) | ||
| 2023 | $4,475.00 (+7.21%) | $492,578 (+9.35%) Land $59,726 Building $432,852 | $492,578 (+9.35%) Land $59,726 Building $432,852 |
| 2022 | $4,174.00 | $450,452 Land $66,296 Building $384,156 | $450,452 Land $66,296 Building $384,156 |
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 A, within 500 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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