Walton County property record for 87 Cobalt Ln, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,572 sqft · built 2014 |
| Lot Size | 0.313 acres (13,647 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $749,000 (Feb 2025) |
| Tax Bill | $4,037 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42910-00M-0070 |
| Primary APN | 30-2S-21-42910-00M-0070 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,572 sqft Living Area |
| Gross Area | 3,459 sqft |
| 1st Floor Area | 1,496 sqft |
| Flooring | Tile |
| Interior Walls | Custom/Decorative |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Concrete |
| Lot Area | 13,647 sqft (0.313 acres) |
| Lot Dimensions | 121 ft deep x 56 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Finished/Open Porch |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 87 COBALT LN |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-5262 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 BLK M EMERALD BAY PH 1A PB 9-7 |
| Legal Range | 021 |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | EMERALD BAY PH 1A |
| Legal Block | M |
| Legal Lot Number | 7 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 950608 |
Source: Walton County records, as of December 3, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 87 COBALT LN, MIRAMAR BEACH, FL 32550-5262 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 11, 2025 · Amount on Record |
| Deed Sale | Feb 11, 2025 · Amount on Record |
| Prior Sale | Jan 15, 2019 · Amount on Record |
| Deed Document Number | 20254543 |
| Deed Book / Page | 3349 / 2646 |
| Prior Transfer Date | Feb 3, 2010 |
| Prior Transfer Doc | 0028353524 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 87 COBALT LN, MIRAMAR BEACH, FL 32550-5262 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Title Company | NATIONWIDE TITLE CLEARING INC, NATIONWIDE TTL CLEARING INC |
| Name | Verified Name |
|---|---|
| Address | 87 COBALT LN, MIRAMAR BEACH, FL 32550-5262 |
| Document Number | 0031891223 |
|---|---|
| Date | Mar 23, 2021 |
| Book Page | 3189/1223 |
| Instrument | 20210014012 |
| Name | INTERCONTINENTAL CAPITAL GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
Source: Walton County assessment roll, as of December 3, 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 | $4,037.00 (+2%) | $490,447 (-28.19%) | $714,315 (+4.59%) Land $169,050 Building $545,265 |
| 2024 | $3,958.00 (+3.86%) | ||
| 2023 | $3,811.00 (+0.16%) Homeowner's exemption | $682,988 (+1.51%) Land $161,000 Building $521,988 | $682,988 (+1.51%) Land $161,000 Building $521,988 |
| 2022 | $3,805.00 Homeowner's exemption | $672,857 Land $139,286 Building $533,571 | $672,857 Land $139,286 Building $533,571 |
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 |
|---|---|
| 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 |
|
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 2014) 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 | 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.
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 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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