Walton County property record for 178 Sandy Cay Dr, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,653 sqft · built 2004 |
| Lot Size | 0.127 acres (5,544 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $924,900 (Oct 2024) |
| Tax Bill | $4,650 (2024) |
| Deeds & Mortgages | Oct 2019 Sale & Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42790-00C-0060 |
| Primary APN | 30-2S-21-42790-00C-0060 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,653 sqft Living Area |
| Gross Area | 2,237 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,544 sqft (0.127 acres) |
| Lot Dimensions | 11 ft deep x 5 ft wide |
| Garage Type | Finished |
| Garage Area | 420 sqft |
| Porch | Porch |
| Porch Area | 24 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 1068537 |
|---|---|
| Street Address | 178 SANDY CAY DR |
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-8268 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 6 BLK C PARADISE RETREAT PB 15-72 OR 2647-3557 OR 3110-4034 OR 3119-4511 OR 3337-4048 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | PARADISE RETREAT |
| Legal Block | C |
| Legal Lot Number | 6 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 950608 |
Source: Walton County records, as of December 17, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 18708 132ND PL SE, RENTON, WA 98058-8020 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 2, 2019 | Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE |
| Jul 5, 2019 | Warranty Deed, Transfer · Conventional Mortgage 1ST SUMMIT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2024 · Amount on Record |
| Deed Sale | Oct 2, 2024 · Amount on Record |
| Prior Sale | Oct 2, 2019 · Amount on Record |
| Deed Document Number | 20240034569 |
| Deed Book / Page | 3337 / 4048 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Oct 2, 2019 |
| Property Address | 178 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8268 |
| Document Number | 0031194511 |
| Book / Page | 003119 / 004511 |
| Instrument Date | Sep 30, 2019 |
| Instrument | 34362 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2019 |
| Title Company | H AND S TITLE AND ESCROW INC, H & S TITLE & ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,164.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 178 SANDY CAY DR MIRAMAR BEACH FL 325508268, MIRAMAR BEACH, FL 32550-8268 |
| Document Number | 31194512 |
|---|---|
| Date | Oct 2, 2019 |
| Book Page | 003119/004512 |
| Instrument | 34363 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WALTON FL |
| Recording Date | Jul 5, 2019 |
| Property Address | 178 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8268 |
| Document Number | 0031104034 |
| Book / Page | 3110 / 4034 |
| Map Reference | MB 15 PG 72 |
| Instrument Date | Jul 3, 2019 |
| Instrument | 20190022425 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | NAUTILUS TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,331.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 438 LARKSPUR DR, 438, CANTON, GA 30114-4383 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 226 AVALON BLVD, MIRAMAR BEACH, FL 32550-3847 |
| Document Number | 0031104036 |
|---|---|
| Date | Jul 5, 2019 |
| Instrument | 3110/4036 |
| Name | 1ST SUMMIT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 3, 2049 |
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 | $702,230 (+10.08%) Land $125,000 Building $577,230 | $702,230 (+10.08%) Land $125,000 Building $577,230 | |
| 2024 | $4,650.00 (+1.97%) | ||
| 2023 | $4,560.00 (+7.78%) | $637,923 (+10.34%) Land $41,349 Building $596,574 | $637,923 (+10.34%) Land $41,349 Building $596,574 |
| 2022 | $4,231.00 | $578,141 Land $45,898 Building $532,243 | $578,141 Land $45,898 Building $532,243 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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.
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 |
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