Walton County property record for 45 Cottage Row, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,596 sqft · built 2005 |
| Lot Size | 0.025 acres (1,125 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $815,000 (Jul 2024) |
| Tax Bill | $4,976 (2024) |
| Deeds & Mortgages | Apr 2021 Mortgage Jul 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42796-000-0150 |
| Primary APN | 30-2S-21-42796-000-0150 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,596 sqft Living Area |
| Gross Area | 1,890 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable/Hip |
| Roof Material | Tin |
| Lot Area | 1,125 sqft (0.025 acres) |
| Lot Dimensions | 4.5 ft deep x 2.5 ft wide |
| Porch | Porch |
| Porch Area | 294 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1068649 |
|---|---|
| Street Address | 45 COTTAGE ROW |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-8274 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 15 COTTAGE RETREAT PB 16-22 OR 2658-3251 OR 2748-1855 OR 2869-3125 OR 3331-688 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | COTTAGE RETREAT |
| Legal Lot Number | 15 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 950608 |
Source: Walton County records, as of January 9, 2026
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 | 26 LISA DR, TULLAHOMA, TN 37388-6283 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Jul 22, 2024 | Warranty Deed, Transfer · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC |
| Jul 22, 2024 | Warranty Deed, Transfer ELIM TITLE LLC, RELI TITLE LLC |
| Feb 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PRIME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 2024 · Amount on Record |
| Deed Sale | Jul 22, 2024 · Amount on Record |
| Prior Sale | Jul 12, 2011 · Amount on Record |
| Deed Document Number | 20240025585 |
| Deed Book / Page | 3331 / 688 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 45 COTTAGE ROW, MIRAMAR BEACH, FL 32550-8274 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0031914669 |
|---|---|
| Date | Apr 7, 2021 |
| Book Page | 3191/4669 |
| Instrument | 20210017040 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | May 1, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jul 22, 2024 |
| Property Address | 45 COTTAGE ROW, MIRAMAR BEACH, FL 32550-8274 |
| Document Number | 0033310688 |
| Book / Page | 3331 / 688 |
| Map Reference | MB 16 PG 22&22A |
| Instrument Date | Jul 17, 2024 |
| Instrument | 20240025585 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2024 |
| Title Company | RELI TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,705.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 6426, MIRAMAR BEACH, FL 32550-1004 |
| Name | Verified Name |
|---|---|
| Address | 26 LISA DR, TULLAHOMA, TN 37388-6283 |
| Document Number | 20240025586 |
|---|---|
| Date | Jul 22, 2024 |
| Instrument | 20240025586 |
| Name | ANGEL OAK MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jul 22, 2024 |
| Property Address | 45 COTTAGE ROW, MIRAMAR BEACH, FL 32550-8274 |
| Document Number | 0033310688 |
| Book / Page | 3331 / 688 |
| Map Reference | MB 16 PG 22&22 |
| Instrument Date | Jul 17, 2024 |
| Instrument | 20240025585 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2026 |
| Title Company | ELIM TITLE LLC, RELI TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,705.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 6426, MIRAMAR BEACH, FL 32550-1004 |
| Name | Verified Name |
|---|---|
| Address | 26 LISA DR, TULLAHOMA, TN 37388-6283 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 45 COTTAGE ROW, MIRAMAR BEACH, FL 32550-8274 |
| Document Number | 0030343108 |
| Book / Page | 003034 / 003108 |
| Instrument Date | Feb 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2017 |
| Title Company | MCNEESE TITLE LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10417 RIVER BIRCH RUN FORT WAYNE IN 468149563, FORT WAYNE, IN 46814-9563 |
| Document Number | 0030343108 |
|---|---|
| Date | Mar 2, 2017 |
| Book Page | 003034/003108 |
| Instrument | 6402 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 1, 2037 |
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 | $635,424 (+7.93%) Land $105,671 Building $529,753 | $635,424 (+7.93%) Land $105,671 Building $529,753 | |
| 2024 | $4,976.00 (-0.5%) | ||
| 2023 | $5,001.00 (+10.32%) Homeowner's exemption | $588,717 (+7.9%) Land $105,671 Building $483,046 | $588,717 (+7.9%) Land $105,671 Building $483,046 |
| 2022 | $4,533.00 | $545,626 Land $117,295 Building $428,331 | $545,626 Land $117,295 Building $428,331 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 203 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 706 units insured incl. 503 condo units |
| Nearby Flood Claims | 3 (2014–2020) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
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 2005) 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 | Not rated no burnable land within ember reach |
|---|
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 657 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 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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