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  6. 104 Sandtrap Rd

104 Sandtrap Rd, Unit 103, Miramar Beach, FL 32550 Property Records

Walton County property record for 104 Sandtrap Rd, Unit 103, Miramar Beach, FL 32550

Property Summary

Property TypeCondominium
OwnerCompany Name on File
Last Sale$585,000 (Oct 2025)
Tax Bill$4,971 (2024)
Deeds & MortgagesOct 2025 Sale
Sep 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN34-2S-21-42250-000-0103

Property Details

APN / Parcel Number

Primary APN34-2S-21-42250-000-0103
Alternative APN
  • 1076738

Location & Zoning

Account Number1076738
Street Address104 SANDTRAP RD UNIT 103, 103
CityMIRAMAR BEACH
StateFL
Zip32550-4151
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionUNIT 103 SPYGLASS TOWNHOMES A CONDO OR 1899-223 OR 2522-1726 OR 3216-3181 OR 3216-3181 OR 3376-1621
Legal Range21W
Legal Township02S
Legal Section34
Legal SubdivisionSPYGLASS TOWNHOMES
Legal Lot Number103
Legal Unit103
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group1
Census Block1005
Census Tract950609

Owner

104 Sandtrap Rd, Unit 103 is owned by a company that bought it in October 2025.

Source: Walton County records, as of December 17, 2025

Owner of RecordCompany Name on File
Mailing Address3709 FIELDING DR, SPRINGFIELD, IL 62711-6272
Owner TypeCompany

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Oct 31, 2025Warranty Deed, Transfer
ARK TITLE SERVICES LLC, AQUARK TITLE SERVICES LLC
Sep 17, 2021Warranty Deed, Transfer · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 31, 2025 · Amount on File
Deed SaleOct 31, 2025 · Amount on File
Prior SaleSep 17, 2021 · Amount on File
Deed Document Number0033761621
Deed Book / Page3376 / 1621
Record UpdatedJun 8, 2026

October 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateOct 31, 2025
Property Address104 SANDTRAP RD UNIT 103, 103, MIRAMAR BEACH, FL 32550-4151
Document Number0033761621
Book / Page3376 / 1621
Map ReferenceMB 1896 PG 154
Instrument DateOct 31, 2025
Instrument20250040315
Transaction TypeTransfer
Record UpdatedNov 21, 2025
Title CompanyARK TITLE SERVICES LLC, AQUARK TITLE SERVICES LLC

Transaction

AmountAmount on Record
Tax$4,095.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7778 MCGINNIS FERRY RD, ROSWELL, GA 30075

Transferred To (Grantee/Buyer)

NameVerified Name
Address3709 FIELDING DR, SPRINGFIELD, IL 62711-6272

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateSep 17, 2021
Property Address104 SANDTRAP RD UNIT 103, 103, MIRAMAR BEACH, FL 32550-4151
Document Number0032163181
Book / Page3216 / 3181
Map ReferenceMB 1896 PG 154
Instrument DateSep 15, 2021
Instrument20210046645
Transaction TypeTransfer
Record UpdatedFeb 20, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,200.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address115 VICTORIA LN, PASS CHRISTIAN, MS 39571-4825

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address2315 CASSIDY RD, CUMMING, GA 30041-2642

Mortgage

Document Number0032163183
DateSep 17, 2021
Instrument3216/3183
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2051

Tax Assessment & Valuation

Source: Walton County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$544,294 (-) Building $544,294$544,294 (-) Building $544,294
2024$4,971.00 (+0.53%)$544,294 (-) Building $544,294$544,294 (-) Building $544,294
2023$4,945.00 (+7.85%)$544,294 (+1%) Building $544,294$544,294 (+1%) Building $544,294
2022$4,585.00$494,813 Building $494,813$494,813 Building $494,813

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 104 Sandtrap Rd, Unit 103 in Zone X, an area of minimal flood risk, though there have been 64 flood claims nearby since 1995.

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 750 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies4,168 units insured
incl. 3,418 condo units
Nearby Flood Claims64 (1995–2024)
Claims Outside the SFHA45 of 64
Most Recent ClaimSep 2024 · rainfall accumulation
Claims by Event
  • Hurricane Sally, Sep 2020 · 7 claims
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, May 2014 · 29 claims
  • Hurricane Frances, Sep 2004 · 10 claims

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

The area around 104 Sandtrap Rd, Unit 103 has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemSOUTH WALTON UTILITY COMPANY
private · serves 26,668 people · EPA ID FL1660615
Water SourceGroundwater
Last State InspectionFeb 2026
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 241 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
LiveOak Fiber
Fiber		5,000 / 5,000
Cox Communications
Cable		2,000 / 35
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: Mediacom Xtream, Wildstar Networks.

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