Walton County property record for 307 Cobalt Ln, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,286 sqft · built 2017 |
| Lot Size | 0.153 acres (6,708 sqft) |
| Owner | Individual Name on File |
| Last Sale | $825,000 (Feb 2024) |
| Tax Bill | $3,786 (2024) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Oct 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42911-000-0180 |
| Primary APN | 30-2S-21-42911-000-0180 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,286 sqft Living Area |
| Gross Area | 3,398 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,708 sqft (0.153 acres) |
| Lot Dimensions | 13.5 ft deep x 5 ft wide |
| Garage Type | Finished |
| Garage Area | 606 sqft |
| Deck Area | Deck Area |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1085745 |
|---|---|
| Street Address | 307 COBALT LN |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-5300 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 18 EMERALD BAY PHASE II-A REPLAT PB 20-32 FKA EMERALD BAY PHASE II-A PB 19-82 OR 3032-688 OR 3053-4740 OR 3314-2826 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | EMERALD BAY PH II-A |
| Legal Phase | 18 |
| Legal Lot Number | 18 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 950608 |
307 Cobalt Ln is owned and occupied by an individual who bought it in February 2024.
Source: Walton County records, as of December 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 307 COBALT LN, MIRAMAR BEACH, FL 32550-5300 |
| 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.
| Date | Document |
|---|---|
| Feb 2, 2024 | Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK |
| Oct 3, 2017 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PREMIA MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 2, 2024 · Amount on File |
| Deed Sale | Feb 2, 2024 · Amount on File |
| Prior Sale | Oct 3, 2017 · Amount on File |
| Deed Document Number | 0033142826 |
| Deed Book / Page | 3314 / 2826 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Feb 2, 2024 |
| Property Address | 307 COBALT LN, MIRAMAR BEACH, FL 32550-5300 |
| Document Number | 0033142826 |
| Book / Page | 3314 / 2826 |
| Map Reference | MB 20 PG 32&33 |
| Instrument Date | Feb 2, 2024 |
| Instrument | 20240003719 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2024 |
| Title Company | AQUA TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,775.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9530 N LOOP RD, PENSACOLA, FL 32507-9236 |
| Name | Verified Name |
|---|---|
| Address | 307 COBALT LN, MIRAMAR BEACH, FL 32550-5300 |
| Document Number | 0033142828 |
|---|---|
| Date | Feb 2, 2024 |
| Instrument | 3314/2828 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Oct 3, 2017 |
| Property Address | 307 COBALT LN, MIRAMAR BEACH, FL 32550-5300 |
| Document Number | 0030534740 |
| Book / Page | 3053 / 4740 |
| Map Reference | MB20 PG32&33 |
| Instrument Date | Sep 29, 2017 |
| Instrument | 2017000032601 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | FIRST NATIONAL LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 5244, NICEVILLE, FL 32578-5244 |
| Name | Verified Name |
|---|---|
| Address | 307 COBALT LANE, MIRAMAR BEACH, FL 32550-5300 |
| Document Number | 2017000032602 |
|---|---|
| Date | Oct 3, 2017 |
| Instrument | 2017000032602 |
| Name | PREMIA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2047 |
Source: Walton County assessment roll, as of July 1, 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 | $723,618 Land $143,000 Building $580,618 | $723,618 Land $143,000 Building $580,618 | |
| 2024 | $3,786.00 (+3.87%) | ||
| 2023 | $3,645.00 (+1.31%) Homeowner's exemption | $698,760 (+0.54%) Land $143,000 Building $555,760 | $698,760 (+0.54%) Land $143,000 Building $555,760 |
| 2022 | $3,598.00 Homeowner's exemption | $694,996 Land $126,690 Building $568,306 | $694,996 Land $126,690 Building $568,306 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 307 Cobalt Ln in Zone X, an area of minimal 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 minimal risk |
|---|---|
| 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 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 |
|
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 2017) 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 risk around 307 Cobalt Ln is moderate, ranking above 44% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 225 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures