157 Sandy Cay Dr, Miramar Beach, FL 32550 Property Records

Walton County property record for 157 Sandy Cay Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,047 sqft · built 2004
Lot Size	0.142 acres (6,229 sqft)
Owner	Individual Name on Record
Last Sale	$326,500 (Jun 2015)
Tax Bill	$2,589 (2024)
Deeds & Mortgages	Apr 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42790-00B-0030`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42790-00B-0030`
Alternative APN	`1068492`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,047 sqft Living Area
Gross Area	3,076 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,229 sqft (0.142 acres)
Lot Dimensions	12.5 ft deep x 5 ft wide
Garage Type	Finished
Garage Area	420 sqft

Exterior Amenities

Porch	Porch
Porch Area	49 sqft
Patio Area	560 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	1068492
Street Address	157 SANDY CAY DR
City	MIRAMAR BEACH
State	FL
Zip	32550-8269
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK B PARADISE RETREAT PB 15-72 OR 2644-248 OR 2816- 4485 OR 2901-621 OR 2981-4221
Legal Range	21W
Legal Township	02S
Legal Section	30
Legal Subdivision	PARADISE RETREAT
Legal Block	B
Legal Lot Number	3
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	Individual Name on Record
Mailing Address	157 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8269
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2015 · Amount on Record
Deed Sale	Jun 16, 2015 · Amount on Record
Prior Sale	Sep 27, 2012 · Amount on Record
Deed Document Number	2015661326436
Deed Book / Page	2981 / 4221
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALTON FL
Property Address	157 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8269
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 NALLS FARM WAY, GREAT FALLS, VA 22066-1146

Mortgage

Document Number	0032481281
Date	Apr 18, 2022
Book Page	3248/1281
Instrument	20220018030

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 9, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$664,241 (-7.84%) Land $125,000 Building $539,241	$664,241 (-7.84%) Land $125,000 Building $539,241
2024	$2,589.00 (+3.98%)
2023	$2,490.00 (+1.38%) Homeowner's exemption	$720,725 (+11.13%) Land $41,349 Building $679,376	$720,725 (+11.13%) Land $41,349 Building $679,376
2022	$2,456.00 Homeowner's exemption	$648,541 Land $45,898 Building $602,643	$648,541 Land $45,898 Building $602,643

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
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 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

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.

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