Walton County property record for 128 Sandy Cay Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,653 sqft · built 2004 |
| Lot Size | 0.134 acres (5,863 sqft) |
| Owner | Owner Name on File |
| Last Sale | $215,000 (Feb 2010) |
| Tax Bill | $4,672 (2024) |
| Deeds & Mortgages | Jan 2018 Mortgage Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42790-00C-0010 |
| Primary APN | 30-2S-21-42790-00C-0010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,653 sqft Living Area |
| Gross Area | 2,109 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,863 sqft (0.134 acres) |
| Lot Dimensions | 11.8 ft deep x 5.6 ft wide |
| Garage Type | Finished |
| Garage Area | 420 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | 140 sqft |
| Patio Area | 140 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1068532 |
|---|---|
| Street Address | 128 SANDY CAY DR |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-8268 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 BLK C PARADISE RETREAT PB 15-72 OR 2648-3776 OR 2651- 3258 OR 2651-3285 OR 2712-4282 OR 2835-1686 OR 2929-3246 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | PARADISE RETREAT |
| Legal Block | C |
| Legal Lot Number | 1 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 950608 |
The current owner of 128 Sandy Cay Dr acquired it in August 2013.
Source: Walton County records, as of December 17, 2025
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 2740 BRIDGEMARKER DR, GRAND PRAIRIE, TX 75054-7262 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 9, 2018 | Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Oct 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 9, 2010 · Amount on File |
| Deed Sale | Feb 9, 2010 · Amount on File |
| Prior Sale | Feb 9, 2010 · Amount on File |
| Deed Document Number | 0028351686 |
| Last Transfer Date | Aug 30, 2013 |
| Transfer Doc | 0029293246 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 128 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8268 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030623726 |
|---|---|
| Date | Jan 9, 2018 |
| Book Page | 3062/3726 |
| Instrument | 2018000000930 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WALTON FL |
| Property Address | 128 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8268 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2740 BRIDGEMARKER DR, GRAND PRAIRIE, TX 75054-7262 |
| Document Number | 0031633932 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 3163/3932 |
| Instrument | 20200040379 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2035 |
Source: Walton County assessment roll, as of July 1, 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 | $603,071 Land $125,000 Building $478,071 | $603,071 Land $125,000 Building $478,071 | |
| 2024 | $4,672.00 (+2.14%) | ||
| 2023 | $4,574.00 (+7.72%) | $635,769 (+10.26%) Land $41,349 Building $594,420 | $635,769 (+10.26%) Land $41,349 Building $594,420 |
| 2022 | $4,246.00 | $576,604 Land $45,898 Building $530,706 | $576,604 Land $45,898 Building $530,706 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 128 Sandy Cay Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2014.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
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 2004) 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 risk around 128 Sandy Cay Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures