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

Walton County property record for 177 Sandy Cay Dr, Miramar Beach, FL 32550

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,919 sqft · built 2004
Lot Size	0.145 acres (6,316 sqft)
Owner	Individual Name on Record
Last Sale	$705,000 (Sep 2021)
Tax Bill	$6,193 (2025)
Deeds & Mortgages	Sep 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`30-2S-21-42790-00B-0050`

Property Details

APN / Parcel Number

Primary APN	`30-2S-21-42790-00B-0050`
Alternative APNs	`30-221-42790-00B-0050` `1068494`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,919 sqft Living Area
Gross Area	2,513 sqft
1st Floor Area	1,919 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,316 sqft (0.145 acres)
Lot Dimensions	127 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	174 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	177 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 5 BLK B PARADISE RETREAT PB 15-72 OR 2644-1305 OR 2645- 2552 OR 2850-4340 OR 2861-1285 OR 2929-2452 OR 2968-1662 OR 3012-4048 OR 3217-2815
Legal Range	021
Legal Township	02S
Legal Section	30
Legal Subdivision	PARADISE RETREAT
Legal Block	B
Legal Lot Number	5
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	61 ELBERTA ST, NASHVILLE, TN 37210-5201
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2021 · Amount on Record
Deed Sale	Sep 23, 2021 · Amount on Record
Prior Sale	Sep 22, 2021 · Amount on Record
Deed Document Number	202147736
Deed Book / Page	3217 / 2815
Prior Transfer Date	Aug 27, 2013
Prior Transfer Doc	0029292452
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WALTON FL
Recording Date	Sep 22, 2021
Property Address	177 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8269
Document Number	0032172815
Book / Page	3217 / 2815
Map Reference	MB 15 PG 72
Instrument Date	Sep 17, 2021
Instrument	20210047736
Transaction Type	Transfer
Record Updated	Oct 13, 2021
Title Company	BRIGHT LINE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$4,935.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3008 PARK HAVEN BLVD, 3008, DANVILLE, IL 61832-1213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	61 ELBERTA ST, NASHVILLE, TN 37210-5201

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	$6,193.00 (-1.99%)	$685,427 (-7.41%) Land $125,000 Building $560,427	$685,427 (-7.41%) Land $125,000 Building $560,427
2024	$6,319.00 (-5.76%)
2023	$6,705.00 (+8.16%)	$740,316 (+10.66%) Land $41,349 Building $698,967	$740,316 (+10.66%) Land $41,349 Building $698,967
2022	$6,199.00	$668,995 Land $45,898 Building $623,097	$668,995 Land $45,898 Building $623,097

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