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

Walton County property record for 167 Sandy Cay Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,029 sqft · built 2004
Lot Size	0.144 acres (6,273 sqft)
Owner	2 Individual Names on Record
Last Sale	$830,000 (Dec 2021)
Tax Bill	$6,723 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42790-00B-0040`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42790-00B-0040`
Alternative APNs	`30-221-42790-00B-0040` `1068493`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,029 sqft Living Area
Gross Area	3,525 sqft
1st Floor Area	2,029 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2010
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,273 sqft (0.144 acres)
Lot Dimensions	126 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	500 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Finished/Open Porch
Porch Area	294 sqft
Patio Area	702 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	167 SANDY CAY DR
City	MIRAMAR BEACH
State	FL
Zip	32550-8269
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CC
Legal Description	LOT 4 BLK B PARADISE RETREAT PB 15-72 OR 2644-274 OR 2948-2348 OR 3020-2500 OR 3228-4572
Legal Range	021
Legal Township	02S
Legal Section	30
Legal Subdivision	PARADISE RETREAT
Legal Block	B
Legal Lot Number	4
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 May 27, 2026

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	4021 MERRYMAN LN, MURFREESBORO, TN 37127-1505
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2021 · Amount on Record
Deed Sale	Dec 9, 2021 · Amount on Record
Prior Sale	Sep 13, 2016 · Amount on Record
Deed Document Number	202160845
Deed Book / Page	3228 / 4572
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Dec 9, 2021
Property Address	167 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8269
Document Number	0032284572
Book / Page	3228 / 4572
Map Reference	MB 15 PG 72
Instrument Date	Dec 8, 2021
Instrument	20210060845
Transaction Type	Transfer
Record Updated	Dec 29, 2021
Title Company	VINTAGE TITLE AND ESCROW INC, VINTAGE TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,810.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2510 GRAND BLVD, 2510, KANSAS CITY, MO 64108-2678

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4021 MERRYMAN LN, MURFREESBORO, TN 37127-1505

Mortgage

Document Number	0032284575
Date	Dec 9, 2021
Instrument	3228/4575

Lender

Name	GARDNER FINANCIAL SERVICES LTD
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 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	$6,723.00 (-2.86%)	$744,133 (-11.03%) Land $125,000 Building $619,133	$744,133 (-11.03%) Land $125,000 Building $619,133
2024	$6,921.00 (-7.81%)
2023	$7,507.00 (+9.03%)	$836,431 (+12.57%) Land $41,349 Building $795,082	$836,431 (+12.57%) Land $41,349 Building $795,082
2022	$6,885.00	$743,019 Land $45,898 Building $697,121	$743,019 Land $45,898 Building $697,121

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