26 Cobia Ct, Santa Rosa Beach, FL 32459 Property Records

Walton County property record for 26 Cobia Ct, Santa Rosa Beach, FL 32459

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 2020
Lot Size	0.26 acres (11,369 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Feb 2021)
Tax Bill	$2,053 (2024)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Aug 2019 Sale
Flood Zone	Zone X (moderate risk)
APN	`24-2S-21-42311-000-0130`

Property Details

APN / Parcel Number

Primary APN	`24-2S-21-42311-000-0130`
Alternative APN	`1044951`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,512 sqft Living Area
Gross Area	1,705 sqft
Flooring	Hardwood
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,369 sqft (0.26 acres)
Lot Dimensions	14.8 ft deep x 7.7 ft wide
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1044951
Street Address	26 COBIA CT
City	SANTA ROSA BEACH
State	FL
Zip	32459-7128
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LONG DESC OR 145-731 BEING LOT 13 SHELTER COVE EST UNREC 2ND INC DESC AS: COM SE/C LOT 11 SEC 24 S.R.P. PB 2-4, N 89 DEG 59'W
Legal Range	21W
Legal Township	02S
Legal Section	24
Legal Subdivision	SHELTER COVE ESTATES 2ND
Legal Lot Number	11,13
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2008
Census Tract	950604

Owner

26 Cobia Ct is owned and occupied by an individual who bought it in February 2021.

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

Owner of Record	Individual Name on File
Mailing Address	26 COBIA CT, SANTA ROSA BEACH, FL 32459-7128
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Aug 16, 2019	Warranty Deed, Transfer ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2021 · Amount on File
Deed Sale	Feb 2, 2021 · Amount on File
Prior Sale	Aug 16, 2019 · Amount on File
Deed Document Number	0031811230
Deed Book / Page	3181 / 1230
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 2, 2021
Property Address	26 COBIA CT, SANTA ROSA BEACH, FL 32459-7128
Document Number	0031811230
Book / Page	3181 / 1230
Instrument Date	Feb 2, 2021
Instrument	20210004903
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24 BAY SHORE PINES CT N, 24, MIRAMAR BEACH, FL 32550-4615

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 COBIA CT, SANTA ROSA BEACH, FL 32459-7128

Mortgage

Document Number	0031811233
Date	Feb 2, 2021
Instrument	3181/1233

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Aug 16, 2019
Property Address	26 COBIA CT, SANTA ROSA BEACH, FL 32459-7128
Document Number	0031144746
Book / Page	3114 / 4746
Instrument Date	Aug 15, 2019
Instrument	20190027946
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 GRAND FLORA WAY, 22, SANTA ROSA BEACH, FL 32459-3173

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 BAY SHORE PINES CT N, MIRAMAR BEACH, FL 32550-4615

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		$298,711 Land $72,675 Building $226,036	$298,711 Land $72,675 Building $226,036
2024	$2,053.00 (+4.05%)
2023	$1,973.00 (+1.49%) Homeowner's exemption	$300,984 (+21.36%) Land $72,675 Building $228,309	$300,984 (+21.36%) Land $72,675 Building $228,309
2022	$1,944.00 Homeowner's exemption	$248,007 Land $47,763 Building $200,244	$248,007 Land $47,763 Building $200,244

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

Flood

FEMA maps place 26 Cobia Ct in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 193 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	193 in force
Nearby Flood Claims	3 (2020–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2024 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims

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

Wildfire risk around 26 Cobia Ct is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Wildstar Networks.

Nearby Properties on Cobia Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures