328 Cobalt Ln, Miramar Beach, FL 32550 Property Records

Walton County property record for 328 Cobalt Ln, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,216 sqft · built 2018
Lot Size	0.146 acres (6,360 sqft)
Owner	Individual Name on File
Last Sale	$485,000 (Feb 2018)
Tax Bill	$5,893 (2024)
Deeds & Mortgages	Feb 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42911-000-0100`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42911-000-0100`
Alternative APN	`1085737`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,216 sqft Living Area
Gross Area	2,991 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2018
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,360 sqft (0.146 acres)
Lot Dimensions	12.6 ft deep x 5 ft wide
Garage Type	Finished
Garage Area	483 sqft
Deck Area	Deck Area
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1085737
Street Address	328 COBALT LN
City	MIRAMAR BEACH
State	FL
Zip	32550-5301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 EMERALD BAY PHASE II-A REPLAT PB 20-32 FKA EMERALD BAY PHASE II-A PB 19-82 OR 3032-688 OR 3066-977
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	EMERALD BAY PH 2-A
Legal Phase	10
Legal Lot Number	10
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950608

Owner

328 Cobalt Ln is owned and occupied by an individual who bought it in February 2018.

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

Owner of Record	Individual Name on File
Mailing Address	328 COBALT LN, MIRAMAR BEACH, FL 32550-5301
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2018 · Amount on File
Deed Sale	Feb 23, 2018 · Amount on File
Prior Sale	Mar 9, 2017
Deed Document Number	2018000005931
Deed Book / Page	3066 / 0977
Record Updated	Jun 8, 2026

February 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 23, 2018
Property Address	328 COBALT LN, MIRAMAR BEACH, FL 32550-5301
Document Number	0030660977
Book / Page	003066 / 000977
Instrument Date	Feb 21, 2018
Instrument	5931
Transaction Type	Subdivision Related Transfer
Record Updated	May 5, 2018
Title Company	FIRST NATIONAL LAND TITLE COMPANY INC

Transaction

Amount	Amount on Record
Tax	$3,395.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 COBALT LN MIRAMAR BEACH FL 325505301, MIRAMAR BEACH, FL 32550-5301

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		$692,427 Land $143,000 Building $549,427	$692,427 Land $143,000 Building $549,427
2024	$5,893.00 (+3.73%)
2023	$5,681.00 (-2.1%) Homeowner's exemption	$663,604 (-0.12%) Land $143,000 Building $520,604	$663,604 (-0.12%) Land $143,000 Building $520,604
2022	$5,803.00 Homeowner's exemption	$664,387 Land $126,690 Building $537,697	$664,387 Land $126,690 Building $537,697

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

Flood

FEMA maps place 328 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	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 2018) 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

Wildfire risk around 328 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.

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 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