46 Cobia Run W, Inlet Beach, FL 32461 Property Records

Walton County property record for 46 Cobia Run W, Inlet Beach, FL 32461

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 3,634 sqft · built 2017
Lot Size	0.114 acres (4,966 sqft)
Owner	Individual Name on File
Last Sale	$2,950,000 (May 2022)
Tax Bill	$19,647 (2024)
Deeds & Mortgages	May 2022 Sale & Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-3S-18-16010-00G-0050`

Property Details

APN / Parcel Number

Primary APN	`26-3S-18-16010-00G-0050`
Alternative APN	`1053275`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Stories	3 Stories
Building Area	3,634 sqft Living Area
Gross Area	4,663 sqft
Flooring	Steel Beam
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2017
Exterior Material	Fiber Cement Siding
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	4,966 sqft (0.114 acres)
Lot Dimensions	10 ft deep x 5 ft wide
Garage Type	Finished
Garage Area	297 sqft
Porch	Porch
Porch Area	650 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1053275
Street Address	46 COBIA RUN W
City	INLET BEACH
State	FL
Zip	32461-6987
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLK G SEACREST BEACH PH 2 S/D PB 13-3 OR 1775-445 OR 2763-4865 OR 2978-757 OR 3068-1034 OR 3252-922
Legal Range	18W
Legal Township	03S
Legal Section	26
Legal Subdivision	SEACREST BEACH PH 2
Legal Phase	2
Legal Block	G
Legal Lot Number	5
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1109
Census Tract	950611

Owner

46 Cobia Run W is owned by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3254 BELLE MEADE TRL, TALLAHASSEE, FL 32311-3727
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

Date	Document
May 13, 2022	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Mar 16, 2018	Special Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2022 · Amount on File
Deed Sale	May 13, 2022 · Amount on File
Prior Sale	Mar 16, 2018 · Amount on File
Deed Document Number	20220022875
Deed Book / Page	3252 / 922
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 13, 2022
Property Address	46 COBIA RUN W, INLET BEACH, FL 32461-6987
Document Number	0032520922
Book / Page	3252 / 922
Map Reference	MB 13 PG 3
Instrument Date	May 6, 2022
Instrument	20220022875
Transaction Type	Transfer
Record Updated	May 27, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20,650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3313 E HERITAGE COVE DR, 3313, SAINT AUGUSTINE, FL 32092-3639

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3254 BELLE MEADE TRL, TALLAHASSEE, FL 32311-3727

Mortgage

Document Number	0003252924
Date	May 13, 2022
Instrument	3252/924

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jun 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.37%
Index	Other
Max Rate	9.37%

March 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Mar 16, 2018
Property Address	46 COBIA RUN W, INLET BEACH, FL 32461-6987
Document Number	0030681034
Book / Page	3068 / 1034
Map Reference	MB13 PG3-3B
Instrument Date	Mar 5, 2018
Instrument	2018000008626
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 GOVERNMENT AVE, 201, NICEVILLE, FL 32578-1806

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Living Trust
Address	3313 E HERITRAGE COVE DR, SAINT AUGUSTINE, FL 32092-3639

Mortgage

Document Number	2018000008628
Date	Mar 16, 2018
Instrument	2018000008628

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

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		$2,198,275 Land $516,000 Building $1,682,275	$2,198,275 Land $516,000 Building $1,682,275
2024	$19,647.00 (-2.1%)
2023	$20,068.00 (+36.34%)	$2,208,678 (+12.85%) Land $509,250 Building $1,699,428	$2,208,678 (+12.85%) Land $509,250 Building $1,699,428
2022	$14,719.00	$1,957,131 Land $467,366 Building $1,489,765	$1,957,131 Land $467,366 Building $1,489,765

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

Flood

FEMA maps place 46 Cobia Run W in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2004.

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 File median of 846 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,737 units insured incl. 891 condo units
Nearby Flood Claims	9 (2004–2020)
Claims Outside the SFHA	4 of 9
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims Hurricane Frances, Sep 2004 · 2 claims

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 46 Cobia Run W is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	REGIONAL UTILITIES WATER SYSTEM private · serves 62,225 people · EPA ID FL1660596
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	2 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 732 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
Mediacom Xtream Fiber · Cable in parts of the area	2,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, REV, Verizon.

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