27 Cottage Row, Miramar Beach, FL 32550 Property Records

Walton County property record for 27 Cottage Row, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,784 sqft · built 2005
Lot Size	0.026 acres (1,125 sqft)
Owner	2 Trust Names on File
Last Sale	$685,000 (Mar 2021)
Tax Bill	$6,410 (2025)
Deeds & Mortgages	Mar 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42796-000-0190`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42796-000-0190`
Alternative APNs	`30-221-42796-000-0190` `1068653`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,784 sqft Living Area
Gross Area	2,250 sqft
1st Floor Area	943 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	1,125 sqft (0.026 acres)
Lot Dimensions	45 ft deep x 25 ft wide
Porch	Finished/Open Porch
Porch Area	466 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	27 COTTAGE ROW
City	MIRAMAR BEACH
State	FL
Zip	32550-8274
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CC
Legal Description	LOT 19 COTTAGE RETREAT PB 16-22 OR 2668-696 OR 3188-2796
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	COTTAGE RETREAT
Legal Block	1
Legal Lot Number	19
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2012
Census Tract	950608

Owner

27 Cottage Row is held in a trust since March 2021.

Source: Walton County records, as of September 17, 2026

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	2 Trust Names on File
Mailing Address	16238 ONEIDA ST, BRIGHTON, CO 80602-7593
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2021 · Amount on File
Deed Sale	Mar 19, 2021 · Amount on File
Prior Sale	May 6, 2005 · Amount on File
Deed Document Number	202113292
Deed Book / Page	3188 / 2796
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 19, 2021
Property Address	27 COTTAGE ROW, MIRAMAR BEACH, FL 32550-8274
Document Number	0031882796
Book / Page	3188 / 2796
Map Reference	MB 16 PG 22&22A
Instrument Date	Mar 19, 2021
Instrument	20210013292
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$4,795.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	340 SCENIC GULF DR UNIT 30, 30, MIRAMAR BEACH, FL 32550-4013

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	16238 ONCIDA STREET, BRIGHTON, CO 80602-7593
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 27 Cottage Row was $6,410, up 8% from the year before.

Source: Walton County assessment roll, as of December 3, 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	$6,410.00 (+8%)	$709,420 Land $105,671 Building $603,749	$709,420 Land $105,671 Building $603,749
2024	$5,935.00 (-0.45%)
2023	$5,962.00 (+6.27%)	$656,186 (+8.38%) Land $105,671 Building $550,515	$656,186 (+8.38%) Land $105,671 Building $550,515
2022	$5,610.00	$605,449 Land $117,295 Building $488,154	$605,449 Land $117,295 Building $488,154

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

Flood

FEMA maps place 27 Cottage Row in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2014.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 203 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	706 units insured incl. 503 condo units
Nearby Flood Claims	3 (2014–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Sep 2020 · Hurricane Sally

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

The area around 27 Cottage Row has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 657 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 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20