Walton County property record for 341 Cobalt Ln, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,646 sqft · built 2017 |
| Lot Size | 0.346 acres (15,115 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $564,300 (Nov 2017) |
| Tax Bill | $4,528 (2024) |
| Deeds & Mortgages | Jun 2021 Line of Credit Apr 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42911-000-0150 |
| Primary APN | 30-2S-21-42911-000-0150 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,646 sqft Living Area |
| Gross Area | 3,304 sqft |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,115 sqft (0.346 acres) |
| Lot Dimensions | 15.6 ft deep x 10.2 ft wide |
| Garage Type | Finished |
| Garage Area | 469 sqft |
| Deck Area | Deck Area |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1085742 |
|---|---|
| Street Address | 341 COBALT LN |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-5300 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 15 EMERALD BAY PHASE II-A REPLAT PB 20-32 FKA EMERALD BAY PHASE II-A PB 19-82 OR 3035-1487 OR 3056-2048 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | EMERALD BAY PH II-A REP |
| Legal Phase | 15 |
| Legal Lot Number | 15 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 950608 |
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 | 2 Company Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 341 COBALT LN, MIRAMAR BEACH, FL 32550-5300 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Jun 14, 2021 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Apr 29, 2019 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 2017 · Amount on Record |
| Deed Sale | Nov 1, 2017 · Amount on Record |
| Deed Document Number | 2017000036161 |
| Deed Book / Page | 3056 / 2048 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 341 COBALT LN, MIRAMAR BEACH, FL 32550-5300 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 341 COBALT LN, MIRAMAR BEACH, FL 32550-5300 |
| Document Number | 0032022023 |
|---|---|
| Date | Jun 14, 2021 |
| Book Page | 3202/2023 |
| Instrument | 20210029722 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | DAYTON, OH 45401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jun 10, 2061 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 341 COBALT LN, MIRAMAR BEACH, FL 32550-5300 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0031033584 |
|---|---|
| Date | Apr 29, 2019 |
| Book Page | 3103/3584 |
| Instrument | 20190013289 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 18, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $794,498 (+1.53%) Land $143,000 Building $651,498 | $794,498 (+1.53%) Land $143,000 Building $651,498 | |
| 2024 | $4,528.00 (+3.81%) | ||
| 2023 | $4,362.00 (+1.18%) Homeowner's exemption | $782,512 (+1.43%) Land $157,300 Building $625,212 | $782,512 (+1.43%) Land $157,300 Building $625,212 |
| 2022 | $4,311.00 Homeowner's exemption | $771,495 Land $133,025 Building $638,470 | $771,495 Land $133,025 Building $638,470 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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 |
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