78 Cobalt Ln, Miramar Beach, FL 32550 Property Records

Walton County property record for 78 Cobalt Ln, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,424 sqft · built 2011
Lot Size	0.167 acres (7,275 sqft)
Owner	Individual Name on File
Last Sale	$860,000 (Jun 2024)
Tax Bill	$3,893 (2024)
Deeds & Mortgages	Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42910-00N-0050`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42910-00N-0050`
Alternative APN	`1069434`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,424 sqft Living Area
Gross Area	3,072 sqft
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2011
Exterior Material	Wood
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Concrete Tile
Lot Area	7,275 sqft (0.167 acres)
Lot Dimensions	12 ft deep x 5.7 ft wide
Garage Type	Finished
Garage Area	484 sqft
Porch	Porch
Porch Area	164 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1069434
Street Address	78 COBALT LN
City	MIRAMAR BEACH
State	FL
Zip	32550-5264
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLK N EMERALD BAY PH 1A S/D PB 9-7 AMENDED 9-27 OR 877-101 OR 975-163 OR 1142-147 &-150 OR 1263-103 OR 2484-836 OR
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	EMERALD BAY 1 A AMENDED
Legal Phase	1A
Legal Block	N
Legal Lot Number	5
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	PO BOX 6426, MIRAMAR BEACH, FL 32550-1004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2024 · Amount on File
Deed Sale	Jun 4, 2024 · Amount on File
Prior Sale	Jul 18, 2018 · Amount on File
Deed Document Number	20240019696
Deed Book / Page	3326 / 3421
Record Updated	Jun 8, 2026

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Jul 18, 2018
Property Address	78 COBALT LN, MIRAMAR BEACH, FL 32550-5264
Document Number	0030793499
Book / Page	003079 / 003499
Instrument Date	Jul 16, 2018
Instrument	23925
Transaction Type	Transfer
Record Updated	Aug 9, 2018
Title Company	MCNEESE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	78 COBALT LN MIRAMAR BEACH FL 325505264, MIRAMAR BEACH, FL 32550-5264

Mortgage

Document Number	30793501
Date	Jul 18, 2018
Book Page	003079/003501
Instrument	23926

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 17, 2038

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		$670,147 (+2.43%) Land $161,000 Building $509,147	$670,147 (+2.43%) Land $161,000 Building $509,147
2024	$3,893.00 (+3.84%)
2023	$3,749.00 (+1.24%) Homeowner's exemption	$654,260 (+0.1%) Land $161,000 Building $493,260	$654,260 (+0.1%) Land $161,000 Building $493,260
2022	$3,703.00 Homeowner's exemption	$653,615 Land $139,286 Building $514,329	$653,615 Land $139,286 Building $514,329

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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 2011) 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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