9 Cottage Row, Miramar Beach, FL 32550 Property Records

Walton County property record for 9 Cottage Row, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,420 sqft · built 2005
Lot Size	0.025 acres (1,125 sqft)
Owner	2 Company Names on Record
Last Sale	$735,000 (May 2021)
Tax Bill	$7,405 (2024)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42796-000-0230`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42796-000-0230`
Alternative APN	`1068657`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	2,420 sqft Living Area
Gross Area	2,948 sqft
Interior Walls	Wallboard/Drywall

Exterior

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	528 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1068657
Street Address	9 COTTAGE ROW
City	MIRAMAR BEACH
State	FL
Zip	32550-8274
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 COTTAGE RETREAT PB 16-22 OR 2678-1645 OR 2791-2605 OR 2910-3062 OR 3196-3132
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	COTTAGE RETREAT
Legal Lot Number	23
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 December 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	53 MCGEE RD # 2332, 2332, O FALLON, MO 63366-2329
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	May 7, 2021 · Amount on Record
Deed Sale	May 7, 2021 · Amount on Record
Prior Sale	Jan 28, 2013
Deed Document Number	20210022731
Deed Book / Page	3196 / 3132
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	May 7, 2021
Property Address	9 COTTAGE ROW, MIRAMAR BEACH, FL 32550-8274
Document Number	0031963132
Book / Page	3196 / 3132
Map Reference	MB 16 PG 22&22A
Instrument Date	Apr 20, 2021
Instrument	20210022731
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	EMERALD COAST TITLE SERVICES INC, EMERALD COAST TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,145.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	5300 MEXICO RD APT 2334, 2334, SAINT PETERS, MO 63376-1098

Mortgage

Document Number	0031963137
Date	May 7, 2021
Instrument	3196/3137

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	311 Months
Due	Apr 1, 2047

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		$888,008 (+8.42%) Land $105,671 Building $782,337	$888,008 (+8.42%) Land $105,671 Building $782,337
2024	$7,405.00 (-0.5%)
2023	$7,442.00 (+7.14%)	$819,027 (+9.26%) Land $105,671 Building $713,356	$819,027 (+9.26%) Land $105,671 Building $713,356
2022	$6,946.00	$749,602 Land $117,295 Building $632,307	$749,602 Land $117,295 Building $632,307

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 VE, within 500 ft
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