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3 Cottage Row, Miramar Beach, FL 32550 Property Records

Walton County property record for 3 Cottage Row, Miramar Beach, FL 32550 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,784 sqft · built 2005
Lot Size0.025 acres (1,125 sqft)
OwnerIndividual Name on File
Last Sale$499,000 (Aug 2005)
Tax Bill$5,624 (2024)
Deeds & MortgagesJan 2009 Loan Modification
Flood ZoneZone X (minimal risk)
APN30-2S-21-42796-000-0240

Property Details

APN / Parcel Number

Primary APN30-2S-21-42796-000-0240
Alternative APN
  • 1068658

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area1,784 sqft Living Area
Gross Area2,250 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Exterior MaterialFiber Cement Siding
Roof TypeGable/Hip
Roof MaterialTin
Lot Area1,125 sqft (0.025 acres)
Lot Dimensions4.5 ft deep x 2.5 ft wide
PorchPorch
Porch Area466 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number1068658
Street Address3 COTTAGE ROW
CityMIRAMAR BEACH
StateFL
Zip32550-8274
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 24 COTTAGE RETREAT PB 16-22 OR 2684-2393
Legal Range21W
Legal Township02S
Legal Section30
Legal SubdivisionCOTTAGE RETREAT
Legal Lot Number24
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group2
Census Block2012
Census Tract950608

Owner

Source: Walton County records · APN 30-2S-21-42796-000-0240

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address2303 SHANNON DR, DALTON, GA 30720-5798
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 10, 2005 · Amount on Record
Deed SaleAug 10, 2005 · Amount on Record
Deed Document Number906162
Deed Book / Page2684 / 2393
Record UpdatedJun 08, 2026

January 2009: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionWALTON FL
Property Address3 COTTAGE ROW, MIRAMAR BEACH, FL 32550-8274
Document Number0030883170
Instrument DateJan 20, 2009
Transaction TypeMortgage
Record UpdatedNov 13, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3 COTTAGE ROW MIRAMAR BEACH FL 325508274, MIRAMAR BEACH, FL 32550-8274

Mortgage

Document Number0030883170
DateOct 29, 2018
Book Page003088/003170
Instrument36045
Lender
NameREGIONS MTG
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueOct 28, 2038
Interest
Rate TypeFixed Rate
Rate5.75%

Tax Assessment & Valuation

Source: Walton County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$709,420 (+8.11%) Land $105,671 Building $603,749$709,420 (+8.11%) Land $105,671 Building $603,749
2024$5,624.00 (+4.85%)
2023$5,364.00 (+6.9%)$656,186 (+8.38%) Land $105,671 Building $550,515$656,186 (+8.38%) Land $105,671 Building $550,515
2022$5,018.00$605,449 Land $117,295 Building $488,154$605,449 Land $117,295 Building $488,154

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Walton County (12131C), updated June 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121319506082, refreshed September 2026 · USFWS Coastal Barrier Resources System, December 19, 2024 release · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone VE, within 500 ft
Flood Insurance CostPremium on Record
median of 203 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies706 units insured
503 under condo master policies
Nearby Flood Claims3 (2014–2020)
Claims Outside the SFHA3 of 3
Most Recent ClaimSep 2020, rainfall accumulation, Hurricane Sally

Coastal Barrier Resources

Coastal Barrier Resources SystemYes
UnitP32 “Moreno Point”
Unit TypeSystem Unit
DesignatedOctober 18, 1982
NFIP EligibilityNot eligible (built 2005)
built after the October 1, 1983 cutoff · private flood insurance only

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 657 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
LiveOak FiberFiber5,000 / 5,000
Cox CommunicationsCable2,000 / 100
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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