49 Cottage Row, Miramar Beach, FL 32550 Property Records

Walton County property record for 49 Cottage Row, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,950 sqft · built 2005
Lot Size	0.026 acres (1,125 sqft)
Owner	Company Name on Record
Last Sale	$291,800 (Jun 2019)
Tax Bill	$6,395 (2025)
Deeds & Mortgages	Jun 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42796-000-0140`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42796-000-0140`
Alternative APNs	`30-221-42796-000-0140` `1068648`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,950 sqft Living Area
Gross Area	2,250 sqft
1st Floor Area	975 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	1,125 sqft (0.026 acres)
Lot Dimensions	45 ft deep x 25 ft wide
Porch	Finished/Open Porch
Porch Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	49 COTTAGE ROW
City	MIRAMAR BEACH
State	FL
Zip	32550-8274
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CC
Legal Description	LOT 14 COTTAGE RETREAT PB 16-22 OR 2709-4431 OR 2803-4273 OR 3020-1595 OR 3107-4010
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	COTTAGE RETREAT
Legal Block	1
Legal Lot Number	14
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	2
Census Block	2012
Census Tract	950608

Owner

Source: Walton County records, as of April 14, 2026

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
Mailing Address	10407 AMBASSADOR DR, RANCHO CORDOVA, CA 95670-2203
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2019 · Amount on Record
Deed Sale	Jun 7, 2019 · Amount on Record
Prior Sale	Sep 12, 2016 · Amount on Record
Deed Document Number	201918676
Deed Book / Page	3107 / 4010
Record Updated	Oct 29, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jun 7, 2019
Property Address	49 COTTAGE ROW, MIRAMAR BEACH, FL 32550-8274
Document Number	0031074010
Book / Page	003107 / 004010
Instrument Date	Apr 26, 2019
Instrument	18676
Transaction Type	Transfer
Record Updated	Jun 25, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$2,042.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10407 AMBASSADOR DR RANCHO CORDOVA CA 956702203, RANCHO CORDOVA, CA 95670-2203

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 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	$6,395.00 (+8.46%)	$745,821 (+8.19%) Land $105,671 Building $640,150	$745,821 (+8.19%) Land $105,671 Building $640,150
2024	$5,896.00 (+4.84%)
2023	$5,624.00 (+7%)	$689,377 (+8.58%) Land $105,671 Building $583,706	$689,377 (+8.58%) Land $105,671 Building $583,706
2022	$5,256.00	$634,880 Land $117,295 Building $517,585	$634,880 Land $117,295 Building $517,585

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
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

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 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.

Wildfire

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.

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 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