Walton County property record for 53 Cottage Row, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,950 sqft · built 2005 |
| Lot Size | 0.025 acres (1,125 sqft) |
| Owner | Company Name on Record |
| Last Sale | $480,000 (Mar 2018) |
| Tax Bill | $5,896 (2024) |
| Deeds & Mortgages | Nov 2020 Mortgage Feb 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42796-000-0130 |
| Primary APN | 30-2S-21-42796-000-0130 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,950 sqft Living Area |
| Gross Area | 2,250 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 | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1068647 |
|---|---|
| Street Address | 53 COTTAGE ROW |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-8274 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 13 COTTAGE RETREAT PB 16-22 OR 2676-2417 OR 2997-2961 OR 3066-4964 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | COTTAGE RETREAT |
| Legal Lot Number | 13 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 950608 |
Source: Walton County records, as of March 12, 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 | PO BOX 6007, BRANDON, MS 39047-3907 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Nov 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTMARK NATIONAL BANK |
| Feb 28, 2018 | Deed of Trust, Mortgage · Conventional Mortgage BEACH CMNTY MTG SVCS |
| Mar 2, 2018 | Warranty Deed, Transfer MCNEESE TITLE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 2, 2018 · Amount on Record |
| Deed Sale | Mar 2, 2018 · Amount on Record |
| Prior Sale | Dec 17, 2015 · Amount on Record |
| Deed Document Number | 2018000006869 |
| Deed Book / Page | 3066 / 4964 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 53 COTTAGE ROW, MIRAMAR BEACH, FL 32550-8274 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1495, LONG BEACH, MS 39560-1495 |
| Document Number | 0031692216 |
|---|---|
| Date | Nov 17, 2020 |
| Book Page | 3169/2216 |
| Instrument | 20200046938 |
| Name | TRUSTMARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | JACKSON, MS 39225 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 53 COTTAGE ROW, MIRAMAR BEACH, FL 32550-8274 |
| Document Number | 0030664966 |
| Instrument Date | Feb 28, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | MCNEESE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0030664966 |
|---|---|
| Date | Mar 2, 2018 |
| Book Page | 003066/004966 |
| Instrument | 6870 |
| Name | BEACH CMNTY MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Mar 2, 2018 |
| Property Address | 53 COTTAGE ROW, MIRAMAR BEACH, FL 32550-8274 |
| Document Number | 0030664964 |
| Book / Page | 003066 / 004964 |
| Instrument Date | Feb 23, 2018 |
| Instrument | 6869 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2018 |
| Title Company | MCNEESE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,360.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | PO BOX 1495 LONG BEACH MS 395601495, LONG BEACH, MS 39560-1495 |
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 | $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.
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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