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

Walton County property record for 217 Sandy Cay Dr, Miramar Beach, FL 32550 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,653 sqft · built 2004
Lot Size0.194 acres (8,451 sqft)
Owner2 Company Names on File
Last Sale$830,000 (Nov 2021)
Tax Bill$6,182 (2024)
Deeds & MortgagesFeb 2023 Transfer
Nov 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN30-2S-21-42790-00B-0090

Property Details

APN / Parcel Number

Primary APN30-2S-21-42790-00B-0090
Alternative APN
  • 1068498

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,653 sqft Living Area
Gross Area2,097 sqft
Interior WallsCustom/Decorative

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2010
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,451 sqft (0.194 acres)
Lot Dimensions15.3 ft deep x 5.8 ft wide
Garage TypeFinished
Garage Area420 sqft

Exterior Amenities

PorchPorch
Porch Area24 sqft
Deck Area140 sqft
Patio Area140 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number1068498
Street Address217 SANDY CAY DR
CityMIRAMAR BEACH
StateFL
Zip32550-8261
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 9 BLK B PARADISE RETREAT PB 15-72 OR 2646-3571 OR 3224-913 OR 3279-3435
Legal Range21W
Legal Township02S
Legal Section30
Legal SubdivisionPARADISE RETREAT
Legal BlockB
Legal Lot Number9
JurisdictionWALTON FL
Township / Civil DivisionWALTON BEACHES
Census Block Group2
Census Block2012
Census Tract950608

Owner

Source: Walton County records · APN 30-2S-21-42790-00B-0090

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Company Names on File
Co-ownerVerified Secondary Owner
Mailing Address217 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8261
OccupancyOwner Occupied
Owner TypeCompany, Secondary Individual
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Feb 03, 2023Intrafamily Transfer, Transfer
ACCOMMODATION
Nov 05, 2021Warranty Deed, Transfer · Conventional Mortgage
PRIMELENDING
Oct 28, 2019Deed of Trust, Mortgage · Conventional Mortgage
FBT MORTGAGE LLC

Assessor's Deed Record

Deed Names3 Verified Names on Deed
Last SaleNov 05, 2021 · Amount on Record
Deed SaleNov 05, 2021 · Amount on Record
Prior SaleNov 05, 2021 · Amount on Record
Deed Document Number0032240913
Deed Book / Page3224 / 913
Last Transfer DateFeb 03, 2023
Transfer Doc0032793435
Record UpdatedJun 08, 2026

February 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionWALTON FL
Recording DateFeb 03, 2023
Property Address217 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8261
Document Number0032793435
Book / Page3279 / 3435
Map ReferenceMB 15 PG 72
Instrument DateNov 30, 2022
Instrument20230003875
Transaction TypeTransfer
Record UpdatedJun 07, 2023
Title CompanyACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address217 SANDY CAY DR, SANDESTIN, FL 32550-8261

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address217 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8261

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWALTON FL
Recording DateNov 05, 2021
Property Address217 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8261
Document Number0032240913
Book / Page3224 / 913
Map ReferenceMB 15 PG 72
Instrument DateNov 01, 2021
Instrument20210055373
Transaction TypeTransfer
Record UpdatedNov 26, 2021
Title CompanyBRIGHT LINE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$5,810.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address280 DICKENS DR, 280, FREEPORT, FL 32439-2298

Transferred To (Grantee/Buyer)

NameVerified Name
Address217 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8261

Mortgage

Document Number3224915
DateNov 05, 2021
Instrument3224/915
Lender
NamePRIMELENDING
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2051

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWALTON FL
Property Address217 SANDY CAY DR, MIRAMAR BEACH, FL 32550-8261
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyMCNEESE TITLE LCL

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0031220914
DateOct 28, 2019
Book Page3122/0914
Instrument20190037436
Lender
NameFBT MORTGAGE LLC
TypeMortgage Company
AddressOCEAN SPRINGS, MS 39564
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2049

Tax Assessment & Valuation

Source: Walton County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$703,895 (-5.03%) Land $162,500 Building $541,395$703,895 (-5.03%) Land $162,500 Building $541,395
2024$6,182.00 (-3.19%)
2023$6,386.00 (+3.52%) Homeowner's exemption$741,186 (+11.33%) Land $53,754 Building $687,432$741,186 (+11.33%) Land $53,754 Building $687,432
2022$6,169.00$665,774 Land $59,667 Building $606,107$665,774 Land $59,667 Building $606,107

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Walton County (12131C), updated June 18, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121319506082, refreshed September 2026 · USFWS Coastal Barrier Resources System, December 19, 2024 release · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 203 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies706 units insured
503 under condo master policies
Nearby Flood Claims3 (2014–2020)
Claims Outside the SFHA3 of 3
Most Recent ClaimSep 2020, rainfall accumulation, Hurricane Sally

Coastal Barrier Resources

Coastal Barrier Resources SystemYes
UnitP32 “Moreno Point”
Unit TypeSystem Unit
DesignatedOctober 18, 1982
NFIP EligibilityNot eligible (built 2004)
built after the October 1, 1983 cutoff · private flood insurance only

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 657 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
LiveOak FiberFiber5,000 / 5,000
Cox CommunicationsCable2,000 / 100
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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