65 Cobalt Ln, Miramar Beach, FL 32550 Property Records

Walton County property record for 65 Cobalt Ln, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,611 sqft · built 2015
Lot Size	0.14 acres (6,134 sqft)
Owner	Individual Name on Record
Last Sale	$798,900 (Feb 2021)
Tax Bill	$8,119 (2024)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42910-00M-0040`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42910-00M-0040`
Alternative APN	`1069423`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,611 sqft Living Area
Gross Area	4,478 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2015
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete Tile
Lot Area	6,134 sqft (0.14 acres)
Lot Dimensions	12.2 ft deep x 6.1 ft wide
Garage Type	Finished
Garage Area	495 sqft
Porch	Porch
Porch Area	372 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1069423
Street Address	65 COBALT LN
City	MIRAMAR BEACH
State	FL
Zip	32550-5262
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLK M EMERALD BAY PH 1A PB 9-7 OR 2508-1559 OR 3007-1985 OR 3103-2259 OR 3184-2772
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	EMERALD BAY PH 1 A
Legal Phase	1A
Legal Block	M
Legal Lot Number	4
Jurisdiction	WALTON FL
Township / Civil Division	WALTON BEACHES
Census Block Group	1
Census Block	1003
Census Tract	950608

Owner

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	65 COBALT LN, MIRAMAR BEACH, FL 32550-5262
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Warranty Deed, Transfer · Commercial Mortgage CENTRAL STATE BANK
Apr 25, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2021 · Amount on Record
Deed Sale	Feb 24, 2021 · Amount on Record
Prior Sale	Apr 25, 2019 · Amount on Record
Deed Document Number	20210008712
Deed Book / Page	3184 / 2772
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Feb 24, 2021
Property Address	65 COBALT LN, MIRAMAR BEACH, FL 32550-5262
Document Number	0031842772
Book / Page	3184 / 2772
Map Reference	MB 9 PG 27&27A
Instrument Date	Feb 23, 2021
Instrument	20210008712
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,592.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2801 WOODLAND CREEK DR, 2801, EDMOND, OK 73034-6080

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 COBALT LN, MIRAMAR BEACH, FL 32550-5262

Mortgage

Document Number	0031842774
Date	Feb 24, 2021
Instrument	3184/2774

Lender

Name	CENTRAL STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Apr 25, 2019
Property Address	65 COBALT LN, MIRAMAR BEACH, FL 32550-5262
Document Number	0031032259
Book / Page	3103 / 2259
Map Reference	MB 9 PG 27-27A
Instrument Date	Apr 24, 2019
Instrument	20190012952
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	AQUA TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,865.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	277 SHALIMAR DR, 277, SHALIMAR, FL 32579-1242

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	65 COBALT LN, MIRAMAR BEACH, FL 32550-5262

Mortgage

Document Number	20190012954
Date	Apr 25, 2019
Instrument	20190012954

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

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		$940,603 (+4.49%) Land $161,000 Building $779,603	$940,603 (+4.49%) Land $161,000 Building $779,603
2024	$8,119.00 (+3.68%)
2023	$7,831.00 (-3.14%) Homeowner's exemption	$900,209 (-1.14%) Land $152,950 Building $747,259	$900,209 (-1.14%) Land $152,950 Building $747,259
2022	$8,085.00 Homeowner's exemption	$910,627 Land $139,286 Building $771,341	$910,627 Land $139,286 Building $771,341

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
Nearest Special Flood Hazard Area	Zone A, 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	Hurricane Sally, Sep 2020 · 5 claims Hurricane Michael, Oct 2018 · 2 claims Hurricane Frances, Sep 2004 · 2 claims

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 2015) 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	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 179 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

May also be available: AT&T, Wildstar Networks.

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