Walton County property record for 355 Cobalt Ln, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,785 sqft · built 2018 |
| Lot Size | 0.16 acres (7,013 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $637,000 (Sep 2020) |
| Tax Bill | $5,156 (2024) |
| Deeds & Mortgages | Sep 2020 Sale & Mortgage Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42911-000-0140 |
| Primary APN | 30-2S-21-42911-000-0140 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,785 sqft Living Area |
| Gross Area | 3,614 sqft |
| Interior Walls | Custom/Decorative |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 7,013 sqft (0.16 acres) |
| Lot Dimensions | 8.5 ft deep x 8.3 ft wide |
| Garage Type | Finished |
| Garage Area | 554 sqft |
| Deck Area | Deck Area |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1085741 |
|---|---|
| Street Address | 355 COBALT LN |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-5300 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 14 EMERALD BAY PH II-A REPLAT PB 20-32 FKA EMERALD BAY PH II-A PB 19-82 OR 3046-2729 OR 3069-869 OR 3158-4682 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | EMERALD BAY PH II-A |
| Legal Phase | 14 |
| Legal Lot Number | 14 |
| 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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 355 COBALT LN, MIRAMAR BEACH, FL 32550-5300 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 9, 2020 | Warranty Deed, Transfer · Conventional Mortgage RENASANT BANK |
| Mar 28, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WHITNEY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2020 · Amount on Record |
| Deed Sale | Sep 9, 2020 · Amount on Record |
| Prior Sale | Mar 28, 2018 · Amount on Record |
| Deed Document Number | 20200034985 |
| Deed Book / Page | 3158 / 4682 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Sep 9, 2020 |
| Property Address | 355 COBALT LN, MIRAMAR BEACH, FL 32550-5300 |
| Document Number | 0031584682 |
| Book / Page | 3158 / 4682 |
| Map Reference | MB 20 PG 32 |
| Instrument Date | Sep 4, 2020 |
| Instrument | 20200034985 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | CUSTOMERS FIRST TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,459.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4508 POTTERY PL, 4508, DESTIN, FL 32541-3426 |
| Name | Verified Name |
|---|---|
| Address | 355 COBALT LN, MIRAMAR BEACH, FL 32550-5300 |
| Document Number | 0031584684 |
|---|---|
| Date | Sep 9, 2020 |
| Instrument | 3158/4684 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 28, 2018 |
| Property Address | 355 COBALT LN, MIRAMAR BEACH, FL 32550-5300 |
| Document Number | 0030690869 |
| Book / Page | 3069 / 0869 |
| Map Reference | MB20 PG32&33 |
| Instrument Date | Mar 9, 2018 |
| Instrument | 2018000009923 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | FIRST NATL LAND TITLE CO INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 355 COBALT LN, MIRAMAR BEACH, FL 32550-5300 |
| Document Number | 2018000009925 |
|---|---|
| Date | Mar 28, 2018 |
| Instrument | 2018000009925 |
| Name | WHITNEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2048 |
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 | $808,464 (+4.51%) Land $143,000 Building $665,464 | $808,464 (+4.51%) Land $143,000 Building $665,464 | |
| 2024 | $5,156.00 (+3.81%) | ||
| 2023 | $4,967.00 (+0.34%) Homeowner's exemption | $773,599 (-0.56%) Land $143,000 Building $630,599 | $773,599 (-0.56%) Land $143,000 Building $630,599 |
| 2022 | $4,950.00 Homeowner's exemption | $777,985 Land $126,690 Building $651,295 | $777,985 Land $126,690 Building $651,295 |
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 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 |
|
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.
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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