248 Cobalt Ln, Miramar Beach, FL 32550 Property Records

Walton County property record for 248 Cobalt Ln, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,403 sqft · built 2019
Lot Size	0.094 acres (4,095 sqft)
Owner	Trust Name on Record
Last Sale	$520,400 (May 2019)
Tax Bill	$6,171 (2024)
Deeds & Mortgages	May 2019 Sale May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42911-000-0010`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42911-000-0010`
Alternative APN	`1085727`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,403 sqft Living Area
Gross Area	2,966 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,095 sqft (0.094 acres)
Lot Dimensions	8.9 ft deep x 3.9 ft wide
Garage Type	Finished
Garage Area	440 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1085727
Street Address	248 COBALT LN
City	MIRAMAR BEACH
State	FL
Zip	32550-5265
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 EMERALD BAY PH II-A REPLAT PB 20-32 FKA EMERALD BAY PH II-A PB 19-82 OR 3084-1863 OR 3106-995 OR 3106-1013
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	EMERALD BAY PH 2-A REP
Legal Phase	1
Legal Lot Number	1
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950608

Owner

Source: Walton County records, as of December 17, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Trust Name on Record
Mailing Address	248 COBALT LN, MIRAMAR BEACH, FL 32550-5265
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 22, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
May 22, 2019	Warranty Deed, Transfer · ARM FBT MORTGAGE LLC
Sep 6, 2018	Grant Deed, Transfer FIRST NATIONAL LAND TITLE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2019 · Amount on Record
Deed Sale	May 22, 2019 · Amount on Record
Prior Sale	May 22, 2019 · Amount on Record
Deed Document Number	20190016524
Deed Book / Page	3106 / 0995
Record Updated	Jun 8, 2026

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALTON FL
Recording Date	May 22, 2019
Property Address	248 COBALT LN, MIRAMAR BEACH, FL 32550-5265
Document Number	0031061013
Book / Page	003106 / 001013
Instrument Date	May 20, 2019
Instrument	16526
Transaction Type	Transfer
Record Updated	Jun 6, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	248 COBALT LN MIRAMAR BEACH FL 32550, MIRAMAR BEACH, FL 32550

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 22, 2019
Property Address	248 COBALT LN, MIRAMAR BEACH, FL 32550-5265
Document Number	0031060995
Book / Page	3106 / 0995
Map Reference	MB 20 PG 32&33
Instrument Date	May 20, 2019
Instrument	20190016524
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	FIRST NATL LAND TTL CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,642.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 5244, NICEVILLE, FL 32578-5244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 COBALT LN, MIRAMAR BEACH, FL 32550-5265

Mortgage

Document Number	0003106996
Date	May 22, 2019
Instrument	3106/996

Lender

Name	FBT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jun 1, 2022
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	6.5%
Index	1-Year LIBOR
Max Rate	9.5%

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WALTON FL
Recording Date	Sep 6, 2018
Property Address	248 COBALT LN, MIRAMAR BEACH, FL 32550-5265
Document Number	0030841863
Book / Page	003084 / 001863
Instrument Date	Aug 31, 2018
Instrument	30173
Transaction Type	Transfer
Record Updated	Sep 20, 2018
Title Company	FIRST NATIONAL LAND TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Tax	$574.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 5244 NICEVILLE FL 325785244, NICEVILLE, FL 32578-5244
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Walton County
Unified School District	Walton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$719,783 (+4.62%) Land $143,000 Building $576,783	$719,783 (+4.62%) Land $143,000 Building $576,783
2024	$6,171.00 (+7.85%)
2023	$5,722.00 (+2.71%)	$687,975 (+0.45%) Land $135,850 Building $552,125	$687,975 (+0.45%) Land $135,850 Building $552,125
2022	$5,571.00	$684,899 Land $120,356 Building $564,543	$684,899 Land $120,356 Building $564,543

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 148 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	12 (2004–2024)
Claims Outside the SFHA	5 of 12
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Sally, Sep 2020 · 5 claims Hurricane Michael, Oct 2018 · 2 claims Hurricane Frances, Sep 2004 · 2 claims

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	P32 “Moreno Point”
Unit Type	System Unit
Designated	Oct 18, 1982
NFIP Eligibility	Not eligible (built 2019) built after the Oct 1, 1983 cutoff · private flood insurance only

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Wildstar Networks.

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