33 Cobalt Ln, Miramar Beach, FL 32550 Property Records

Walton County property record for 33 Cobalt Ln, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,754 sqft · built 2004
Lot Size	0.167 acres (7,275 sqft)
Owner	Company Name on Record
Last Sale	$775,000 (Feb 2025)
Tax Bill	$6,786 (2024)
Deeds & Mortgages	Jul 2022 Sale May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42910-00M-0010`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42910-00M-0010`
Alternative APN	`1069420`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,754 sqft Living Area
Gross Area	3,338 sqft
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete Tile
Lot Area	7,275 sqft (0.167 acres)
Lot Dimensions	12.1 ft deep x 6 ft wide
Garage Type	Finished
Garage Area	506 sqft
Porch	Porch
Porch Area	78 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1069420
Street Address	33 COBALT LN
City	MIRAMAR BEACH
State	FL
Zip	32550-5262
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK M EMERALD BAY PH 1A PB 9-7 & PB 9-27 OR 2487-780 OR 2633-396 OR 2982-3220 OR 3201-2895 OR 3254-1553 OR 3261-2050 OR
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	EMERALD BAY PH 1 A
Legal Phase	1A
Legal Block	M
Legal Lot Number	1
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950608

Owner

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

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

Owner of Record	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	33 COBALT LN, MIRAMAR BEACH, FL 32550-5262
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 23, 2022	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Jun 8, 2021	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2025 · Amount on Record
Deed Sale	Feb 12, 2025 · Amount on Record
Prior Sale	Jul 27, 2022
Deed Document Number	0033493277
Deed Book / Page	3349 / 3277
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 27, 2022
Property Address	33 COBALT LN, MIRAMAR BEACH, FL 32550-5262
Document Number	0032612050
Book / Page	3261 / 2050
Map Reference	MB P PG 7&7A
Instrument Date	Jul 26, 2022
Instrument	20220034538
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1280, FENTON, MO 63026-1880

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1280, EQUALITY, AL 36026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 23, 2022
Property Address	33 COBALT LN, MIRAMAR BEACH, FL 32550-5262
Document Number	0032531477
Book / Page	3253 / 1477
Map Reference	MB 9 PG 7&7A
Instrument Date	May 18, 2022
Instrument	20220024274
Transaction Type	Transfer
Record Updated	Jun 10, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,642.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1058 MAJESTIC OAKS WAY, 1058, SIMPSONVILLE, KY 40067-6670

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1280, FENTON, MO 63026-1880

Mortgage

Document Number	0032531479
Date	May 23, 2022
Instrument	3253/1479

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jun 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.12%
Index	1-Year CMT
Max Rate	9.12%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 8, 2021
Property Address	33 COBALT LN, MIRAMAR BEACH, FL 32550-5262
Document Number	0032012895
Book / Page	3201 / 2895
Map Reference	MB 9 PG 7&7A
Instrument Date	May 26, 2021
Instrument	20210028647
Transaction Type	Transfer
Record Updated	Jul 1, 2021
Title Company	SETCO SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,795.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4355 STONEBRIDGE RD, 4355, DESTIN, FL 32541-3463

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	156 HAMILTON SPRINGS BLVD, LEBANON, TN 37087-9033

Mortgage

Document Number	32012897
Date	Jun 8, 2021
Instrument	3201/2897

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

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		$724,595 (-0.09%) Land $161,000 Building $563,595	$724,595 (-0.09%) Land $161,000 Building $563,595
2024	$6,786.00 (+2.99%)
2023	$6,589.00 (-2.27%)	$725,240 (-0.32%) Land $161,000 Building $564,240	$725,240 (-0.32%) Land $161,000 Building $564,240
2022	$6,742.00	$727,558 Land $139,286 Building $588,272	$727,558 Land $139,286 Building $588,272

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

Flood

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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 2004) 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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 179 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

May also be available: AT&T, Wildstar Networks.

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